Credit card payoff calculator. See how long it takes to pay off debt and how much interest you can save.

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💡 Financial Tip: tip_creditcard_0_titleWatch Out
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💳 Your Cards (1/5)

$
$
Minimum required: $100 (sum of min payments)
Time to Debt Free
1.0 years
12 months
Total Interest
$574
Total Paid
$5574

Balance Over Time (🏔️ Avalanche)

M1M3M6M9M12$0k$2k$3k$5k$6k

📊 Payoff Order (Highest APR →)

#1Card 1$5 000 @ 22%
12 months
Int: $574

💰 Debt Summary

Total Debt (1 card):$5 000
Monthly Budget:$500
Weighted Avg APR:22.0%
cc_total_int_col:$574
cc_total_payoff_col:$5574
Debt-Free In:12 months (1.0 years)

📚 Avalanche vs Snowball

🏔️ Avalanche: Pay highest-APR card first. Mathematically optimal — saves the most money in interest.

⛄ Snowball: Pay smallest-balance card first. Gives quick wins and psychological motivation to keep going.

Pro Tip: The best strategy is the one you'll stick with. If you need motivation, try Snowball. If you're disciplined, Avalanche saves more.

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