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The payoff planner

Get out of debt, faster.

Enter your balance, rate, and what you can pay each month. We'll show how long it takes, what the interest costs, and how much a little extra changes everything.

Your situation

Card balance${{ balanceLabel }}

Interest rate (APR){{ apr }}%

Monthly payment${{ paymentLabel }}

Debt-free in

{{ timeLabel }}

Total interest

${{ interestLabel }}

Total paid

${{ totalLabel }}

Payment too low

At this rate, your monthly payment doesn't cover the interest — the balance would grow forever. Raise the payment above ${{ minPaymentLabel }}/mo to make progress.

Pay just ${{ boostAmount }} more each month and you're done {{ boostSaved }} sooner — saving ${{ boostInterest }} in interest.

Two ways to attack multiple cards

Both work. One saves the most money; the other builds the most momentum. Pick the one you'll actually stick with.

Saves the most

The Avalanche

Pay minimums on everything, then throw every extra dollar at your highest-rate card first. Mathematically optimal — least interest, fastest payoff.

Best if you're motivated by saving money.

Builds momentum

The Snowball

Pay minimums, then attack your smallest balance first. You clear whole cards quickly — each win fuels the next. Costs slightly more interest.

Best if you're motivated by quick wins.

Assumes a fixed monthly payment and no new charges. Interest compounds monthly at APR÷12. A real card statement may vary slightly. Educational, not financial advice.