Credit card payoff planner
Enter your cards and the extra you can pay each month. You'll see your debt-free date, which card to pay first, and how much interest you save compared with minimum payments.
Free. No sign-up. What you enter stays in your browser.
Your cards
Total owed $0
Extra payment
Payoff strategy
How it works
What's the difference between avalanche and snowball?
Avalanche sends your extra money to the card with the highest interest rate first. It costs the least interest overall. Snowball sends it to the card with the smallest balance first. You clear whole cards sooner, which many people find easier to stick with. Either way you keep paying the minimum on every other card, and when a card is paid off its payment rolls to the next one.
How is interest calculated?
Interest builds up every day on what you still owe:
Interest = Balance × (APR ÷ 365.25) × Days since your last payment
Card issuers usually work from your average daily balance and may add interest to the balance daily, so your real interest can run a little higher than this estimate.
Why does the minimum payment stay the same?
Real minimum payments shrink as your balance drops, which is why paying only the minimum takes so long. This planner holds each card's minimum at the amount you enter and keeps your total monthly amount steady, so the money freed up by a paid-off card goes to the next one.
What if I keep using my cards?
The planner assumes no new purchases, fees or rate changes. If you add to a balance, come back and update it to see your new dates.
Is my information saved or shared?
Everything you enter stays in your own browser so it's there when you come back. Nothing you type is sent to us or anyone else. Use "Start over" to clear it.
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