Credit Card Payoff Calculator
Estimate payoff time, total interest and total paid using a fixed monthly payment.
Build a payoff estimate →Choose the debt decision you need to make
Each calculator shows the assumptions behind the estimate. Results are educational and do not change your lender agreements.
Snowball vs. Avalanche
Compare lowest-balance-first and highest-interest-first strategies using the same monthly budget.
Compare strategies →Debt-to-Income Ratio
Calculate housing and total monthly debt ratios from gross income and recurring payments.
Calculate DTI →Balance Transfer Savings
Compare current-card interest with promotional APR, transfer fees and post-promotion costs.
Estimate savings →A practical debt-review process
1. List every balanceRecord APR, minimum payment and any promotional expiration date.
2. Protect the minimumsLate or missed payments can add fees and affect credit.
3. Direct the extraChoose a strategy and apply additional money consistently.
4. RecalculateUpdate the plan when rates, balances or available cash change.
Important: these estimates do not include every possible fee, penalty, variable-rate change or tax consequence. Contact creditors or a qualified nonprofit credit counselor when payments are unaffordable.