business
Calculadora Snowball vs Avalanche de Dívidas
Simulador de pagamento mês a mês: informe várias dívidas (saldo, APR, pagamento mínimo) mais um valor extra mensal — retornamos as duas estratégias lado a lado. Snowball (Dave Ramsey): menor saldo primeiro, ganho psicológico. Avalanche: maior taxa primeiro, menor juros total. Destacamos automaticamente qual economiza mais e em quanto.
Atualizado:
Como usar
- List your debts. For each: name, balance, APR, and minimum payment.
- Add extra/month. How much you can throw on top of minimums.
- Pick your strategy. Either lower interest (avalanche) or psychological momentum (snowball).
Recursos principais
Accurate simulation
Monthly: accrue interest → pay minimums → throw extra at target.
Snowball roll-up
Cleared minimums auto-fold into the extra payment.
Side-by-side compare
Snowball and Avalanche from one input.
Winner highlighted
Lower-total-interest strategy is marked Best.
Add/remove debts
Manage as many debts as you have.
Multi-currency
Use your local currency.
Por que Treasury.to?
- ✓Month-by-month simulation
- ✓Rolls cleared minimums into snowball
- ✓Multi-debt support
- ✓Auto-highlights winner
- ✓Multi-currency
- ✓Free
Perguntas frequentes
Snowball or avalanche — which is better?
Avalanche always wins on total interest. Snowball usually clears the first debt faster, which helps morale — important if you've struggled to stick with a plan before.
What's the snowball roll-up?
When a debt clears, its minimum payment automatically rolls into the 'extra' bucket for the next target — that's how the snowball grows.
Does this handle variable APR?
It assumes a fixed APR. For variable-rate cards (e.g. expiring promo), enter your best estimate of the average rate.
Should I just pay minimums?
No — interest accrues on the balance, so faster payoff = less interest. The tool always pays minimums first, then applies extra per your strategy.