Debt Snowball Vs Avalanche Math Which Saves More
📑 In this guide
The Core Formula
Snowball: smallest balance first (psych). Avalanche: highest rate first (math).
All figures use 2026 published baselines: federal standard deduction $16,100 (single) / $32,200 (married filing jointly), Social Security wage base $184,500, and the FLSA 40-hour workweek (2,080 hours/year). For state-specific rates, see the State Money Data hub.
Step-by-Step: Running the Math Yourself
- List debts.
- Snowball: min pay all, extra to smallest.
- Avalanche: extra to highest APR.
- Track interest saved.
$5k@22% + $2k@12%: avalanche saves ~$600+ interest vs snowball.
Method
| Item | Value |
|---|---|
| Avalanche | less interest |
| Snowball | faster wins |
Frequently Asked Questions
Q: Which to pick?
Avalanche if disciplined; snowball for momentum.
Q: Always pay min?
Yes, on all.
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Educational estimate only — not financial, tax, or legal advice. Verify with a CPA, tax professional, or state labor agency before acting. Data retrieved 2026-08-29.
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Sources & compliance. Work-hours and overtime calculators comply with official FLSA standards published by the U.S. Department of Labor, including the 40-hour workweek overtime threshold, 1.5× time-and-a-half pay, state-specific overtime regulations, and exempt/non-exempt employee criteria (29 CFR Part 541, effective May 15, 2026). All results are for educational estimation only and are not professional financial, legal, or tax advice. Updated 2026-08-29 by AllMoneyCalc Editorial.