The Lazy SaverDebt snowball vs avalanche (UK): which should you use?
Updated 14 October 2026 · 4-minute read · UK
Both methods start the same way: pay the minimum on every debt, then put every spare pound at one target. The only difference is which target you pick.
Snowball: smallest balance first
Clear the smallest debt first, then roll its payment into the next one. You get quick wins, and that motivation matters if you've tried and quit before.
Avalanche: highest APR first
Attack the debt with the highest interest rate first. It usually costs less in total interest, especially when rates differ a lot (say a 30% store card next to a 9% car loan).
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Get the free plannerWhat to leave out
UK student loans work more like a tax than a normal debt, so most people leave them out. A mortgage is usually at a far lower rate than cards, so keep it out of the snowball too.
Get free help if minimums feel impossible
If you can't cover the minimums, contact a free, non-profit debt charity before anything else: StepChange, National Debtline or Citizens Advice. They don't charge fees.
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See it in the shop →FAQ
Is the snowball or avalanche method better?
Avalanche usually saves more interest. Snowball often keeps people going. The best one is the one you stick with.
Should I save or pay off debt first?
Many people keep a small emergency buffer so a surprise bill doesn't go straight back on a card, then attack the debt. Your situation may differ; MoneyHelper has free guidance.
Can a spreadsheet show my debt-free date?
Yes. Enter each balance, APR and minimum, plus any extra a month, and a month-by-month plan shows when you'll be debt-free.