See Your Total Debt.
Cut Your Interest.
Get Debt-Free Faster.
Track all your credit cards in one place and discover the fastest way to pay them off.
Add every card you owe on. Balances and APRs are on your statement.
What you can put towards cards each month.
Targets highest APR first — usually saves most interest.
Drag to see the impact instantly.
Three different approaches to repaying your debt. Each follows a different logic — the best choice depends on your priorities and behaviour.
Minimise total interest. Optimise for efficiency.
With the avalanche method, you make the minimum payment on all debts, then direct any extra funds toward the balance with the highest interest rate (APR). Once that balance is cleared, you roll the freed-up payment into the next highest-interest debt, and continue this process until all balances are repaid.
Why it works: this method reduces the amount of interest accrued over time, making it the most cost-efficient strategy mathematically.
Best suited for: users focused on paying the least total interest and becoming debt-free as quickly as possible from a financial standpoint.
Build momentum through quick wins.
With the snowball method, you make the minimum payment on all debts, then allocate any extra funds toward the smallest balance first. Once that debt is cleared, its payment is rolled into the next smallest balance, creating a compounding effect as you eliminate accounts one by one.
Why it works: by clearing smaller debts quickly, this method creates visible progress early, which can improve motivation and consistency.
Best suited for: users who value psychological momentum and prefer seeing immediate results to stay committed.
Baseline scenario for comparison.
This approach involves paying only the required minimum on each debt every month, with no additional repayments.
Why it matters: this is the slowest and most expensive path, as interest continues to accumulate over a longer period. It is included as a reference point to clearly demonstrate the time and cost savings achieved by more proactive strategies.
Best suited for: not recommended as a repayment strategy. Use it to understand the true cost of inaction and to compare against more effective approaches.
Same budget, different order. Avalanche almost always saves the most interest.
| Strategy | Interest paid | Debt-free in | vs Minimums |
|---|---|---|---|
| Avalanche (highest APR first) Best | £1,060 | 1y 11m | save £10,553 |
| Snowball (smallest balance first) | £1,121 | 2 years | save £10,492 |
| Minimums only | £11,613 | 42y 5m | — |
| Card | Cleared in | Cleared by | Interest paid |
|---|---|---|---|
| Barclaycard | 1y 6m | Nov 2027 | £601.27 |
| Halifax Clarity | 1y 11m | Apr 2028 | £458.50 |
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How it works
Balance, APR and minimum payment for each one.
Avalanche saves the most interest. Snowball builds momentum.
Use the slider to see how much faster — and cheaper — debt freedom can be.
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FAQs
Avalanche (highest APR first) almost always saves the most interest. Snowball (smallest balance first) clears cards faster, which helps motivation.
Everything stays in your browser. Saved plans use local storage — nothing is sent to a server.
We accrue interest monthly using your APR. Real card statements may differ slightly due to billing cycles, fees and promotional rates.
No. Estimates only. For tailored help, talk to a free debt charity such as StepChange or Citizens Advice.