Avalanche vs snowball — which is better?
Avalanche (highest APR first) always costs less in total interest. Snowball (smallest balance first) clears a whole card sooner, which motivates many people to stick with the plan. The calculator shows both — pick the one you'll actually follow.
One extra payment changes everything
On a $5,000 balance at 24% APR, paying $100/month takes 9+ years and costs ~$5,800 in interest. Paying $200/month clears it in under 3 years with ~$1,600 interest. Small increases in your monthly budget create huge savings.