Your Debts
Hybrid pays off a few small balances first (Snowball), then targets the highest APR (Avalanche).
Hybrid Settings
Choose how many early “wins” you want before switching to Avalanche.
Extra Payment
How much extra can you pay each month (on top of minimums)?
Progress Charts
Visualize your payoff timeline. Charts update instantly as you change inputs.
How the Hybrid Method Works
The Hybrid strategy combines the best parts of Snowball and Avalanche:
- Phase 1 (Snowball): target the smallest balances for early wins
- Phase 2 (Avalanche): reorder remaining debts by APR and target the highest rate
This tool simulates interest month-by-month and automatically switches strategies after your chosen number of early payoffs.
Why Hybrid Can Be a Great Compromise
- Motivation from paying off a couple of small debts quickly
- Interest savings once you switch to highest APR targeting
- Simplicity: one plan that adapts automatically
FAQ
How many “wins” should I pick?
Most people choose 1–3. More wins = more motivation, fewer wins = more interest savings.
Do you still pay minimums on all debts?
Yes. Minimum payments are always paid first. Your extra payment goes to the current target debt.