Several debts

Several debts: which should I pay off first?

Example

Interest the avalanche saves over the snowball

€82

Every debt gets its minimum. Whatever you can pay on top goes to one debt at a time, and when that is cleared its payment rolls on to the next.As of 2 October 2026 · Reader-selected debts and payments

Your debts

Up to four. Leave a row empty if you have fewer.

Debt 1 Name Balance€ Interest a year% Minimum a month€

Debt 2 Name Balance€ Interest a year% Minimum a month€

Debt 3 Name Balance€ Interest a year% Minimum a month€

Debt 4 Name Balance€ Interest a year% Minimum a month€

Extra you can pay each month€On top of all the minimums.

Interest the avalanche saves over the snowball

€82 Compare interest and time for the same monthly budget. The snowball prioritises smaller balances; the avalanche prioritises higher rates.

Avalanche: highest interest first2 years and 6 months€1,432 interest in all; cleared in this order: Credit card, Dispo, Ratenkredit

Snowball: smallest balance first2 years and 6 months€1,514 interest in all; cleared in this order: Dispo, Credit card, Ratenkredit

What this answers

In which order the same monthly budget clears the debts fastest and cheapest

Each month every debt is charged its interest and paid its minimum; the rest goes to one debt, and a cleared debt's payment moves on to the next. Fixed rates, no fees, no new borrowing.

Before anything else

The Dispo first, and a reserve

An overdraft at double-digit interest usually costs the most. Replacing it with a cheaper Ratenkredit changes the rates here; keeping a small reserve stops the next surprise from going back on the card.