Tools
Debt payoff calculator
Put every debt in, add whatever you can spare each month, and see the two strategies side by side. Avalanche always costs less. Snowball clears accounts sooner, which is why people stick with it. The gap between them is usually smaller than the argument about it.
The plan
Your debts
Order of attack
Which debt the extra money goes at, and when each one clears.Paying debt is half the decision.
The other half is whether that dollar does more against a 6% mortgage or inside a TFSA. The full planner runs both at once, with your real tax rate attached.