How to size a single debt-snowball payoff target

1. Enter the debt

   "Smallest debt balance" is the principal of the SMALLEST balance you want to attack first. Snowball strategy targets the smallest debt regardless of interest rate, then rolls the freed-up payment into the next debt.

2. Enter the monthly attack

   "Monthly snowball payment" is what you plan to throw at this debt every month — at minimum the minimum payment, ideally more (the minimums you'd be paying on other debts plus any surplus from your budget).

3. Press Run

   Result returns `monthsToClear` = `Math.ceil(balance / monthlyPayment)`. Interest accrual is NOT modelled — this is a planning estimate, not an amortization schedule. Real payoff takes longer than this suggests.

4. Why snowball vs avalanche

   Mathematically, avalanche (target highest APR first) saves more interest. Snowball (smallest balance first) gives quicker wins, which is psychologically motivating. Pick whichever you'll actually stick to.