Snowball Trajectory
Debt Free In
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Total Paid
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Interest
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Payoff Schedule
Timeline Details
| Mo | Bal | Min | Extra |
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Hybrid Strategies
1 Savings First, Then Debt
Reach savings goal first using all extra cash, then attack debt.
Savings Met:
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Debt Free:
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Total Interest:
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2 Split Focus (Bonuses to Savings)
Monthly extra pays debt. Bonuses fill savings first, then debt.
Savings Met:
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Debt Free:
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Total Interest:
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Baseline Scenario
If you make minimum payments only and save the extra cash instead:
Debt Free
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Total Interest
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Savings Goal Met
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Savings Comparison
Goal Met In
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Principal
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Interest
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This scenario shows what happens if you invested your monthly extra payment + bonuses instead of paying down debt.