Snowball vs Avalanche (UK): Compare methods side-by-side

Enter your UK debts once and see Snowball, Avalanche and Hybrid side-by-side - debt-free date, months and total interest. We support APR/EAR, overdrafts, 0% promo months and real minimums. It’s anonymous and runs in your browser.

Compare methods free

Takes about 60 seconds

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How to read the results
Snowball Clears smallest balances first — fastest wins & motivation.
Avalanche Targets highest APR/EAR — minimises interest.
Hybrid Start Snowball, then switch at month N to Avalanche.

Budget

Enter Income, Essentials, and optional Emergency fund. We compute your budget for debts.
Using per month: £0

Debts

One row per debt. Type should be APR for credit cards/loans and EAR for overdrafts.
Promo fields are APR-based and apply during promo months.

Compare strategies

Tick any (or all). Custom uses the drag order you set above.
When off (recommended), 0% promos are usually paid after higher-cost debts.
When off (recommended), permanent 0% debts only get minimums until all interest-bearing debts are cleared.

Results

Not financial advice. If you’re struggling to cover essentials, consider contacting a free UK debt advice charity.

What to do next

Choose the method you’ll actually stick with. When you’re ready to follow it month-by-month, you can export a personalised printable plan showing your exact payments, payoff order, milestones, and calendars.

Build my plan

  • Snowball clears the smallest balances first (quick wins). Avalanche targets the highest APR/EAR first (saves the most interest).

  • Yes. Add an overdraft and set any promo months; APR/EAR is treated as 0% during the promo, then reverts.

  • No storage and no account. Everything runs in your browser.

  • They’re estimates based on your inputs and standard rules. Real-world interest/fees can vary.

  • You can export a personalised PDF with monthly payments, payoff order, milestones and calendars (£14.99, one-time).

DebtRiot is a self-guided planning tool - not financial advice. If you’re unable to meet essentials or repayments, contact StepChange or National Debtline (free, regulated UK support).

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