Debt Snowball & Avalanche Calculator
Compare both strategies and choose what works for you
Enter Your Debts
SAR
❄
Snowball
Smallest first
⛰
Avalanche
Highest rate
Frequently Asked Questions
Snowball pays off the smallest balance first for quick motivational wins. Avalanche pays the highest interest rate first to save the most money overall.
Yes, both methods are prioritization strategies. You can use them with Sharia-compliant financing (Murabaha/Ijara) by entering the profit rate instead of interest.
Financial experts recommend allocating at least 20% of income to debt. Even an extra 500 SAR monthly can significantly reduce your payoff timeline.
Most common: car loans, credit cards, personal loans, and real estate financing. Most Saudi banks offer Sharia-compliant financing products.
Avalanche is mathematically better as it saves more in interest. But snowball is psychologically better because quick wins keep you motivated. Choose what fits your personality.