Money, made plain.
See exactly what each payoff path costs you.
Type your balance. Slide your monthly payment. Watch the months and interest move in real time. The math is the product.
Credit-card payoff — try your numbers
LiveBalance
$
Extra / mo
$
Payoff time
1y 10m
24 mo faster than $280/mo
Total interest
$1,982
Save $2,374 vs no extra
Modeled estimate. Not financial advice.Open full calculator →
How it works
From debt stress to an actual plan, in three steps.
1
Enter your debts
Balance, APR, minimum payment. That's it.
2
Pick a path
Snowball, avalanche, or test a consolidation loan.
3
See the tradeoff
Months to payoff, total interest, and what changes if you pay more.
Get started
Choose the calculator that matches your situation.
Compare all calculators
One-card payoff, snowball, avalanche, consolidation, and the guided debt payoff flow.
Open calculator hub →
Plan payoff for multiple debts
Enter every balance once. Compare snowball and avalanche side by side.
Open calculator →
Test a consolidation loan
Compare your current debts against a modeled consolidation loan — payment, cost, or both.
Open calculator →
All calculators
Pick the calculator that fits your situation.
- Credit card payoff calculatorOne card, every lever — balance, APR, monthly payment. Payoff date and total interest.
- Debt snowball calculatorSmallest balance first. Visible momentum, with side-by-side avalanche comparison.
- Debt avalanche calculatorHighest APR first. Lowest total interest, fastest mathematical payoff.
- Debt consolidation calculatorTest a consolidation loan against your current debts on cost or monthly payment.
- Multi-debt payoff plannerEnter every debt once. Snowball vs avalanche on your real numbers.
Featured guides
Read before you decide.
- How to Pay Off Credit Card DebtPay off credit card debt with a calculator-backed plan. Compare snowball, avalanche, balance transfers, and monthly payments in plain English.
- Debt Snowball vs AvalancheSide-by-side comparison of debt snowball and avalanche — which pays off faster, which keeps you motivated, and how to pick the right one.
- How to Pay Off $10,000 in Credit Card DebtBuild a $10,000 credit card payoff plan. Compare one-card and multi-card strategies, test extra payments, and export a month-by-month schedule.
- Credit Card Minimum vs Fixed PaymentCompare credit card minimum payments against fixed monthly payments — why shrinking minimums stretch payoff and how a fixed amount cuts interest faster.
- How to Pay Off Multiple Credit CardsPay off multiple credit cards with a step-by-step plan: list balances, choose snowball or avalanche, roll payments forward, and avoid spreading extra too thin.
- Is a Debt Consolidation Loan Worth It?Debt consolidation loans can save thousands or quietly cost more. Here's the four-number test, hidden costs, and when consolidation actually wins.
- Balance Transfer vs Debt Consolidation LoanCompare a 0% balance transfer against a debt consolidation loan — fees, APR, payoff date, monthly payment, and the risks that can make either option backfire.
- The Minimum Payment Trap: What It Costs YouPaying the credit-card minimum looks reasonable and quietly costs more than the balance. Here's the math — and the change that cuts 20 years to under 4.
- Building a Debt Payoff Plan for a Bad MonthMost debt payoff plans fail on the day the car needs new brakes. Build one with a fixed floor, a buffer, and a recovery rule that survives bad months.
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Modeled estimates, not financial advice