Free tool
List every debt, attack the smallest balance first, and check them off as they fall. Momentum is the whole strategy.
Enter balances above to see your payoff order — smallest balance first.
A blank payoff-order worksheet plus a progress grid to color in as each debt shrinks. Fridge-door accountability.
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Mathematically, paying the highest interest rate first (the “avalanche”) saves the most. Behaviorally, the snowball — smallest balance first — wins more often because early victories keep people going. Pay minimums on everything, throw every spare dollar at the top of the list, and roll each freed-up payment into the next debt.
Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.
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