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Use this when you have more than one debt and are not sure which to pay first. It compares the avalanche and snowball methods using your own numbers. It is a planning aid and not financial advice.
Works inChatGPTClaudeGemini
Explain and compare two ways to pay off my debts: the avalanche method (highest interest first) and the snowball method (smallest balance first).
My debts:
[LIST EACH DEBT WITH BALANCE, INTEREST RATE, MINIMUM PAYMENT]
Extra money I can add each month: [AMOUNT]
For each method show the order I would pay them off, roughly how many months it would take, and the total interest. Recommend one for someone who [NEEDS QUICK WINS / WANTS TO SAVE THE MOST MONEY]. Remind me what to double-check with a nonprofit credit counselor.
Tip: AI math can be off. Verify the numbers with a calculator or spreadsheet. This is education, not personalized financial advice.
What to fill in
Before you send it, replace the parts in [square brackets] with your own details:
List each debt with balance, interest rate, minimum payment
Amount
Needs quick wins / wants to save the most money
How to use this prompt
Press Copy this prompt.
Open ChatGPT, Claude or Gemini and paste it into a new chat.
Replace the [BRACKETS] with your details, then send it.
If the first answer is close but not right, reply with what to change. Short follow-ups work well.
Everything here is free. The free versions of the big chat tools are enough. Keep private details such as account numbers, passwords and full addresses out of any AI chat.