Debt Snowball vs Debt Avalanche: Which Method Is Best in 2025?
Choosing between the snowball and avalanche method? Learn the pros, cons, and which debt payoff strategy works best for your situation in 2025.
Debt Snowball
Pay off smallest balances first. Focus on momentum and psychological wins.
Debt Avalanche
Pay off highest interest debts first. Save more money over time.
Comparison Table
| Feature | Snowball | Avalanche |
|---|---|---|
| Focus | Smallest balance | Highest interest |
| Motivation Boost | ✅✅✅ | ✅ |
| Interest Savings | ❌ | ✅✅✅ |
| Beginner Friendly | ✅✅✅ | ✅ |
Final Thoughts
“Momentum beats math — but math saves money.”
