Kalkulator spłaty długów
The detailed guide below is currently available in English.
Snowball or avalanche?
Both methods direct one fixed monthly budget at a list of debts. Avalanche pays the highest APR first and is cheapest in total interest. Snowball retires the smallest balance first, producing paid-off accounts early — research on motivation suggests those quick wins help many people finish at all. The mathematically best plan you will abandon loses to the slightly costlier one you complete.
Częste pytania
Why does my payoff feel stuck at the start?
At high APRs the first payments are mostly interest — a 22% card charges about 1.83% of the balance every month before any principal moves. Raising the payment is the fastest way through that phase.
Should I consolidate instead of extra payments?
If you can borrow at a much lower fixed rate and will not run the cards back up, consolidation can save real interest. Compare both with the debt consolidation calculator before committing.