Calcolatore Metodo Palla di Neve Debiti Gratuito
Usa il metodo palla di neve per estinguere i debiti dal piu piccolo al piu grande. Calcola le vittorie rapide.
Mesi per Estinguere
51 months
Months to Pay Off vs Total Monthly Payment
Formula
## 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.
Esempio Risolto
$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
Domande Frequenti
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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