Calculateur Méthode Boule de Neige Gratuit
Remboursez vos dettes du plus petit au plus grand solde avec la méthode boule de neige. Gagnez en motivation avec des victoires rapides.
Mois avant remboursement
51 months
Months to Pay Off vs Total Monthly Payment
Formule
Debt Snowball Method
Popularized by Dave Ramsey, the snowball method pays off debts from smallest balance to largest.
How It Works
1. List debts from smallest to largest balance 2. Make minimum payments on everything 3. Throw all extra money at the smallest debt 4. When the smallest is gone, roll that payment into the next 5. The payment amount "snowballs" as each debt is eliminated
Why It Works Psychologically
Quick wins provide motivation. Seeing debts disappear early keeps you committed to the plan.
Exemple Résolu
$30,000 total debt across 5 accounts at 15% average, paying $800/month.
- 01Monthly rate = 15% / 12 = 1.25%
- 02Months to payoff = -ln(1 - $30,000 x 0.0125 / $800) / ln(1.0125) = 49 months
- 03Total paid = $800 x 49 = $39,200
- 04Total interest = $39,200 - $30,000 = $9,200
- 05First small debt paid off in approximately 3 months
Questions Fréquentes
Does the snowball method cost more than the avalanche?
Usually yes, because you may leave higher-rate debts untouched longer. The extra interest cost is typically a few hundred to a few thousand dollars, depending on your debts. Many people consider this a worthwhile price for the motivation boost.
Can I combine snowball and avalanche?
Yes. Some people use a hybrid: start with the snowball to get quick wins, then switch to the avalanche once they have momentum. Or group debts with similar rates and tackle the smallest first within those groups.
What about debts with the same balance?
When two debts have similar balances, pay off the one with the higher interest rate first. This combines the psychological benefit of the snowball with the mathematical advantage of the avalanche.
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