Calcolatore Metodo Palla di Neve Debiti — 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.
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.
- Monthly rate = 15% / 12 = 1.25%
- Months to payoff = -ln(1 - $30,000 x 0.0125 / $800) / ln(1.0125) = 49 months
- Total paid = $800 x 49 = $39,200
- Total interest = $39,200 - $30,000 = $9,200
- First small debt paid off in approximately 3 months