Live U.S. Wire Markets Desk ↗
Macro Circuit — US Personal Finance & Global Markets Macro Circuit Home
[BENCHMARK: NEW YORK]
S&P 5005,984.25+0.42%
NASDAQ 10021,118.60+0.68%
DOW44,218.10+0.31%
NVDA$146.80+1.74%
AAPL$228.40+0.52%
MSFT$426.90+0.64%
US 10Y YIELD4.98%+3 bps
◆ CONSTANT-BUDGET ROLLOVER • AVALANCHE VS. SNOWBALL SIMULATOR

Credit Card APR & Debt Payoff Simulator (Avalanche vs. Snowball)

Commercial bank credit card APRs average over 22%. Keeping your total monthly debt budget constant—rolling each paid-off card's payment into the next balance—cuts years off your payoff timeline.

DISPLAY SYMBOL (1:1 NO FX):
FRED · BLS · US-STATUTORY-2026.11 Plain-English A–Z Glossary →
Enter Your Numbers RUNS PRIVATELY IN YOUR BROWSER
$6,500
24.90%
$3,200
22.80%
$1,800
28.90%
+$250/mo
Your Results & Breakdown 2026 U.S. FORMULA
Debt-Free Timeline (Avalanche)
2.1 Years (25 mos)
Constant $588/mo total rollover budget
Interest Saved vs Minimums
$11,420
Minimum payments stretch 20+ years
Total Interest You Pay
$2,890
On $11,500 starting card debt
Avalanche vs Snowball Gap
$164
Avalanche minimizes total interest
Ready: Type exact dollar or percentage figures or drag any slider to update your tax, interest, and cash-flow breakdown immediately.

Privacy Note: All math runs locally in your browser. If you click Copy My Scenario Link, your entered numbers are encoded in that link so you can revisit or share the scenario.

◆ METHODOLOGY & PLAIN-ENGLISH GUIDE (CLICK DOTTED TERMS FOR DEFINITIONS)

How Constant-Budget Debt Rollover Works

Banks shrink your required minimum payment slightly every month as your balance drops (typically 1% of principal plus monthly interest, with a $25–$35 floor)—stretching payoff over decades. By locking a constant total monthly debt payment, every dollar freed up as balances fall or cards hit $0 rolls automatically into your next target card.

Debt Avalanche vs. Debt Snowball

Debt directs all surplus dollars to the card charging the highest first, mathematically minimizing total interest paid. Debt targets the smallest dollar balance first to eliminate individual bills quickly while keeping the same total monthly budget.