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Credit Card Payoff

Turn a balance into a finish date

Run the full calculator—or jump into a preset extra-payment plan.

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Core tools

Payoff calculator Custom balance, APR, payment, and extras with a full schedule. Minimum payment only The expensive baseline—how long and how much interest. Avalanche (multi-card) Highest APR first across several debts.

Extra payment scenarios

Same idea, different monthly bump—pick the one that fits your budget.

Add $25/monthSmallest sustainable habit change. Add $50/monthCommon starting point for real progress. Add $100/monthOften removes years from the timeline. Add $200/monthBig interest savings on typical balances. Add $500/monthMaximum acceleration if cash flow allows. Fastest wayStrategy overview for shortest timeline. Pay off $5,000 at 18%Mid-size balance at a common card rate. Pay off $10,000 at 24%Larger balance at a typical high APR. Pay off $15,000 at 29.99%High-balance, high-rate extra-payment impact.

Guides

How Credit Card Interest Works Why balances feel stuck even when you’re paying. Snowball vs Avalanche Choose the method you’ll actually follow.