Debt snowball · 債務雪球法
- Estimated payoff time · 預計還清時間
- 2y 6m · 2 年 6 個月
- Estimated interest · 預計利息
- $6,290
- Payoff order · 還清次序
- Card A → Card B → Card C
SteadyStep · 穩行計劃
Snowball vs Avalanche · 雪球法與雪崩法
Compare two common debt-payoff strategies without sending your balances anywhere. · 無須上傳結餘，也能比較兩種常見還款策略。
Local-only calculator · 只在本機計算
Compare snowball and avalanche.
Change the example values to match your situation. Calculations run only in this browser tab; the page does not send or save these values.
修改範例數字以配合你的情況。計算只在此瀏覽器分頁內進行，本頁不會傳送或儲存這些數值。
Example data · 示例資料 — Replace all remaining example values before using this as your plan. · 用作個人計劃前，請替換所有剩餘示例數值。
Debt avalanche · 債務雪崩法
Lower estimated interest · 預計利息較低- Estimated payoff time · 預計還清時間
- 2y 5m · 2 年 5 個月
- Estimated interest · 預計利息
- $5,872
- Payoff order · 還清次序
- Card B → Card C → Card A
Educational estimate only. This calculator assumes monthly interest and a fixed total payment budget, and does not include lender-specific fees, penalties, promotional-rate changes or daily compounding. Confirm every payment with your lender. · 本工具只提供教育性估算，採用每月計息及固定總還款預算，未包含貸款方特定費用、罰款、優惠利率變動或每日複利。每次付款前請向貸款方核實。
Take the plan with you · 隨身追蹤計劃
Continue with private repayment tracking.
The SteadyStep app adds monthly milestones, actual-payment history, statement-balance confirmation and optional educational reports.
穩行計劃 App 加入每月里程碑、實際還款記錄、結單結餘確認及可選教育性報告。