Credit Card Payoff Calculator
Drop in your cards. Compare snowball, avalanche, and minimum-only plans. Find out exactly how much faster you'd be done with another $25/mo.
2y 10m
debt-free at this pace
Your plan
2y 10m
to debt-free
Total interest
$2,432
Total paid
$9,202
Weighted APR
25.0%
Starting balance
$6,770
Debt-free in 2y 10m
You'll pay $2,432 in interest at this pace. Every extra dollar above the minimum is the highest-return investment you can make.
Saving $5,637 vs. minimums
Your plan finishes 5.4 years sooner than paying minimums only.
Add $25/mo → save $258
An extra $25 a month finishes the plan 3 months sooner.
Call your issuer for a rate reduction
Your weighted APR is 25.0%. A 5-minute call asking for a hardship or retention rate often drops it 3–6 points.
Card-by-card
Premium
Save unlimited payoff scenarios, compare avalanche vs. snowball with your real numbers, and track your debt-free date.
Unlock PremiumAvalanche (highest APR first) saves the most money mathematically. Snowball (smallest balance first) gives faster wins and keeps motivation up. If you've quit debt plans before, snowball wins. If you can stick with a plan no matter how slow, avalanche wins.
Use the purchase APR shown on your statement, not the promotional rate. If you're carrying a 0% balance transfer, use 0% until the promo ends, then bump it to the post-promo rate.
No. Carrying a balance does not help your credit score — it just costs you interest. Using your card and paying it in full each month builds credit just as well.
You're at risk of negative amortization — the balance grows instead of shrinks. Call your issuer for a hardship rate, transfer to a 0% card if you qualify, or talk to a non-profit credit counselor (NFCC.org).
Yes — create a free account and upgrade to Freedom Fighter ($12/mo) to save unlimited payoff scenarios, compare strategies side by side, and track your debt-free date.
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