Método Bola de Nieve: Gana Impulso Eliminando Deudas
La estrategia más motivadora para eliminar deudas. Paga primero las deudas más pequeñas y gana impulso con cada victoria.
Crear Mi Plan MotivadorPor Qué Funciona el Método Bola de Nieve
Victorias Rápidas
Eliminas deudas pequeñas rápidamente, creando sensación de progreso y éxito inmediato.
Motivación Sostenida
Cada deuda eliminada refuerza tu compromiso y te da energía para continuar con las siguientes.
Impulso Creciente
Con cada deuda eliminada, tienes más dinero disponible para atacar la siguiente deuda más grande.
Ejemplo del Método Bola de Nieve
| Deuda | Saldo | Tasa | Mínimo | Orden |
|---|---|---|---|---|
| Tarjeta Tienda | $800 | 22.99% | $25 | 1° |
| Préstamo Personal | $3,500 | 12.50% | $150 | 2° |
| Tarjeta Crédito | $5,000 | 18.99% | $125 | 3° |
| Préstamo Auto | $15,000 | 6.25% | $350 | 4° |
Estrategia: Paga $650 mínimos + $400 extra = $1,050 total. Los $400 extra van TODOS a la Tarjeta Tienda ($800) hasta eliminarla en ~2 meses.
Calculadora Método Bola de Nieve
Break Free from Debt Faster Than You Think
Debt can feel overwhelming, but with the right strategy and tools, you can become debt-free faster than you might think. Our debt payoff calculator shows you exactly how long it will take to eliminate your debt and how much interest you'll pay. More importantly, it reveals how small changes to your payment strategy can save you thousands of dollars and years of payments.
The average American carries over $6,500 in credit card debt at interest rates averaging 22%. At minimum payments, this can take over 30 years to pay off, with interest charges exceeding the original debt. But there's hope – with strategic payments and the right approach, you can break this cycle and achieve financial freedom.
Why Every Dollar Extra Matters
- •Compound Savings: Extra payments reduce principal faster, saving exponential interest
- •Momentum Building: Seeing progress motivates continued aggressive payments
- •Credit Score Boost: Lower balances improve utilization ratios and creditworthiness
- •Psychological Freedom: Less debt means less stress and more life options
This calculator helps you visualize different payoff strategies and their impact. Whether you're tackling credit cards, student loans, or personal debt, understanding the numbers empowers you to make informed decisions and stay motivated on your journey to financial independence.
🚀 calculators.debt.form.debtPayoffStrategies
Debt Payoff Calculators by Type
8 options available
For Planning Purposes Only — These calculations are estimates for educational and planning purposes. Always consult with qualified financial professionals before making financial decisions.
Preguntas Frecuentes sobre el Método Bola de Nieve
Otros Métodos de Pago de Deudas
Método Avalancha
Paga primero las deudas con mayor interés para ahorrar más dinero.
Comparar Todos los Métodos
Ve todos los métodos lado a lado.