Debt Snowball Calculator
Simulate the snowball method: pay minimums on all, then throw the surplus at the smallest-balance debt first — build momentum.
輸入資料
計算結果
重點速覽：Snowball: pay each debt's minimum, then direct all leftover of a fixed total budget to the SMALLEST-balance debt first. Month by month: interest = balance x annual/12; pay minimums; apply surplus to smallest balance; repeat until zero; sum months, total paid, total interest. Clearing one rolls its minimum into the next-smallest target (keeping total constant) for momentum. May pay slightly more interest than avalanche but is easier to sustain. WARNING: Fixed rates, on-time, no new debt. Education, not advice.
計算公式
維持每月總還款 = 各債務最低還款之和，過程不變。
每月各債務先計息：利息 = 餘額 × 年利率 ÷ 12。
先支付各債務最低還款，剩餘的總月供全數投放到『餘額最小』的債務。
重複直至全部清還，累計月數、總還款與總利息。
$$\text{Interest}_i = \text{Balance}_i \times \dfrac{\text{Rate}_i}{12}$$$$\text{Budget} = \sum_i \text{MinPayment}_i \quad (\text{每月固定})$$$$\text{Surplus} \to \arg\min_i \text{Balance}_i \quad (\text{盈餘投放至餘額最小者})$$使用說明
- Enter up to four debts' balances, rates and minimums.
- Enter a total monthly budget covering all minimums plus surplus.
- View months, total paid, total interest for the snowball method.
同一組三筆債務 (總結欠 HK$46,000、總月供固定 HK$1,500) 以滾雪球法 vs 雪崩法的還款結果對照表
| 還款策略 | 還清月數 | 總利息支出 | 總還款額 |
|---|---|---|---|
| 滾雪球 (優先餘額最小) | 53 個月 | HK$32,152 | HK$78,152 |
| 雪崩 (優先利率最高) | 52 個月 | HK$31,749 | HK$77,749 |
| 兩者差異 | 多 1 個月 | 多 HK$403 | 多 HK$403 |
以三筆債務實算:債務A 餘額 HK$4,000／年利率 6%／最低還款 HK$200，債務B 餘額 HK$30,000／年利率 30%／最低還款 HK$900，債務C 餘額 HK$12,000／年利率 18%／最低還款 HK$400，總月供固定 HK$1,500。每月各債務先計息 (餘額 × 年利率 ÷ 12)、先付最低還款，盈餘按策略投放，逐月模擬至清零，數字四捨五入至整數，僅供參考。可見滾雪球法比雪崩法多付約 HK$403 利息、多用 1 個月;差距大小視乎各筆債務的餘額與利率分佈。假設利率固定、每月準時還款，實際會因逾期或利率變動而不同。
理財情境案例
三筆債務用滾雪球法：先清 HK$4,000 小額，最快見『少一筆』
王先生有三筆債務:一張小額卡數 HK$4,000 (年利率 6%、最低還款 HK$200)、一張大額高息卡數 HK$30,000 (年利率 30%、最低還款 HK$900)，以及一筆私人貸款 HK$12,000 (年利率 18%、最低還款 HK$400)，每月總還款固定 HK$1,500。
以滾雪球法，他先把盈餘全部投向餘額最小的 HK$4,000 卡數，短期內便清掉一筆、只餘兩筆，帶來明顯的成就感。整體約 53 個月還清，總利息約 HK$32,152、總還款約 HK$78,152。這條路徑的利息比雪崩法略高，但『快速減少筆數』有助維持還款動力。
滾雪球 vs 雪崩：同一組債務，代價只差約 HK$403
同一組三筆債務、同樣每月 HK$1,500，若改用雪崩法 (先攻年利率 30% 的大額卡數)，約 52 個月還清、總利息約 HK$31,749。
兩相比較，滾雪球法多付約 HK$403 利息、多用約 1 個月。對這組債務而言，選擇滾雪球法換取心理動力的『代價』很小。若你屬於需要成就感去堅持還款的人，滾雪球法值得考慮;若一心想把利息壓到最低，則可改用雪崩法。
常見問題
How does the snowball method work?
You pay every debt's minimum, then send all extra from a fixed total budget to the debt with the smallest balance. Once cleared, you roll its old minimum into the next-smallest debt. The quick wins build motivation to keep going.
How does it differ from avalanche?
Snowball orders by balance (smallest first) for momentum; avalanche orders by interest rate (highest first) to save the most money. Snowball may cost a bit more interest but can be easier to stick with. Both require keeping the total monthly payment constant.
Does snowball usually cost much more interest?
Often not by much. With the three debts in this page's comparison, snowball pays only about HK$403 more interest and takes about 1 extra month versus avalanche. The gap depends on how balances and rates are distributed — if the smallest balance is also the highest rate, the two are nearly identical; if the smallest is low-rate, the gap is larger.
Is snowball suitable for Hong Kong's high-interest debt?
Hong Kong credit-card revolving APRs commonly run ~20%-36%; if you hold multiple cards and a personal loan, snowball clears small card balances fast and reduces the number of bills to manage. But if one high-rate card has a large balance, snowball may accrue more interest — consider switching to avalanche or tackling the most expensive one first.
What are the assumptions and data basis of this calculator?
It simulates month by month: each debt accrues interest (balance x annual rate / 12), minimums are paid first, and the fixed total budget's surplus goes to the smallest balance, repeating until all are cleared, tallying months, total paid and total interest. Snowball/avalanche are internationally recognised repayment concepts; for Hong Kong debt-management guidance see the Investor and Financial Education Council (IFEC). Results assume fixed rates and on-time monthly payments; for planning reference only.
相關工具
參考資料
內容審核：香港計算器財經團隊。還款過程採逐月計息模擬 (每月先計息、付最低還款，盈餘投放至餘額最小者);滾雪球策略屬國際通用還債概念，債務管理資訊參考投資者及理財教育委員會 (IFEC)，結果假設利率固定、每月準時還款，僅供參考。