The math behind the calculator, explained in plain English — how interest actually accrues, how snowball and avalanche pick a target, and how much difference an extra payment really makes.
A side-by-side comparison of the debt snowball and debt avalanche methods with a real worked example, the psychology research behind each, and the one case where snowball beats avalanche on cost.
Read the guide → GuideAPR versus the monthly rate you actually pay, why a minimum payment barely dents your balance, and what really happens when a 0% intro rate expires — worked with real numbers.
Read the guide → GuideThe exact math behind this calculator: how interest accrues, how the monthly budget stays constant, how snowball and avalanche pick a target, and how 0% intro APRs are modeled — with a full worked example.
Read the guide → GuideA real marginal-impact table showing what an extra $25, $50, $100, and $200 a month actually does to your payoff time and total interest — plus the trap of paying too little.
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