Kalkulator Pelunasan Utang

You pay the minimum on every debt and put all extra money toward the debt with the smallest balance. When it's paid off, its payment rolls over to the next smallest. Quick early wins keep many people motivated.

You put all extra money toward the debt with the highest interest rate first. It always costs the same or less interest than the snowball, and is the mathematically best order.

If the difference in interest is small, choose the method you'll stick with. Many people prefer the snowball's quick wins. If the avalanche saves a lot, as it often does with high-rate credit cards, it's usually worth it.

In both methods, it isn't spent elsewhere: it rolls over and is added to the payment on the next target debt. That “rolling” payment is what makes both methods speed up over time.