Compare the avalanche and the snowball: how soon you clear your debts and how much you overpay under each
Debt-free in
2 years 6 months
with the “Avalanche” strategy
Interest overpaid
224 166,59 ₽
interest over the whole term
Interest saved
35 893,30 ₽
avalanche vs snowball
| Metric | Avalanchehighest rate firstbest | Snowballsmallest balance first |
|---|---|---|
| Payoff time | 2 years 6 months | 2 years 7 months |
| Overpayment (interest) | 224 166,59 ₽ | 260 059,89 ₽ |
| Total paid | 844 166,59 ₽ | 880 059,89 ₽ |
The avalanche clears debts from the highest rate down — the least interest. The snowball goes from the smallest balance up: quick early wins. Both fit the same monthly budget.