Quick answer
An extra $25/month is a small change that can still cut months (sometimes years) off a payoff, especially at high APR.
Run the calculator (pre-filled)
Open the payoff calculator with $25 extra already filled in.
Why it works
Paying a little extra reduces your balance sooner, which reduces future interest. Less interest means more of each payment goes toward the balance. That’s why small extra payments can have an outsized impact over time.
Tip: run +$25 and +$50 side-by-side to see the difference clearly.
Related
Why Minimum Payments Keep You in Debt
Why balances barely move when most of your payment goes to interest.
Debt Avalanche Calculator
Pay highest APR first to minimize total interest.
FAQ
Should I always pay extra if I can?
If it’s high-interest debt, extra payments usually give a great return. Just make sure essentials are covered first.