Quick answer
An extra $100/month is a common payoff goal. It often makes a dramatic difference in both payoff time and total interest.
Run the calculator (pre-filled)
Open the payoff calculator with $100 extra already filled in.
Why extra payments work so well
Credit card interest is based on your remaining balance. Paying extra reduces the balance sooner, which reduces future interest, which means more of your next payment goes toward the balance. That “snowball” effect is why small extra payments can matter.
Tip: If you’re not sure what payment is realistic, try
+$25,
+$50, and
+$100
and compare results side-by-side.