如何计算Debt Avalanche
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Avalanche method pays debt with highest interest rate first (mathematically optimal) while minimum-paying others.
分步指南
- 1Input all debts with balances and rates
- 2Order by interest rate (highest first)
- 3Calculate payoff timeline and total interest
例题解析
输入
Credit card 18%, student loan 4%, car 5%
结果
Pay credit card first, saves ~$3,000 vs. snowball method
Interest savings significant
常见错误注意事项
- ✕Not accounting for minimum payments
- ✕Neglecting new charges during payoff
常见问题
Vs. snowball method?
Avalanche saves most money; snowball provides psychological wins (small balances first).
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