Snowball vs Avalanche: which debt payoff method actually works for you?

When building Debt Tracker, one question kept coming up: there isn’t one debt payoff strategy that works for everyone.

The Debt Snowball method focuses on paying off the smallest balance first, which can give you quicker wins and a stronger sense of progress.

The Debt Avalanche method prioritizes higher-interest debt first, which can reduce the amount of interest paid over time.

We built Debt Tracker so users can compare both approaches, see how each strategy affects their payoff timeline, and track progress toward their debt-free date.

I’m curious how others approach this:

Would you rather choose the strategy that saves more money mathematically, or the one that keeps you more motivated to continue?

If anyone wants to try it, Debt Tracker is available on Google Play: Debt Tracker

I’d especially love feedback on which approach you prefer: Snowball or Avalanche, and why?