Compare the debt snowball and avalanche methods, see your payoff date and total interest for each, and pick the strategy that fits.
Open the debt payoff calculator →List your debts with balances and rates, then compare two strategies side by side: avalanche (highest interest first, mathematically cheapest) and snowball (smallest balance first, psychologically easier). Both payoff dates and total interest are shown so the trade-off is explicit.
Palarid runs entirely in your browser. There is no account, no tracking and no server copy of anything you enter. You can export everything as JSON at any time.
Avalanche costs less in interest. Snowball produces earlier wins and better adherence. The best method is the one you actually finish.
Yes — minimums are paid on everything, with the surplus directed by whichever strategy you choose.
No. It stays on your device.
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