💳 Free Tool

Credit Card
Payoff

Compare minimum payments vs aggressive payoff — see your exact debt-free date and total interest saved.

Your Credit Cards

Card Name

Balance

APR %

Min Pay

Payoff Strategy

Monthly Budget for All Cards

Avalanche: Extra payments go to highest APR card first — minimises total interest paid.

Payoff Analysis

Debt-Free Date

—

0 months from today

Total Interest

Interest Saved

Total Debt

0 mo

Months Saved

Strategy Comparison

Minimum Payments Only

Your Strategy

Payoff Order

Monthly Payment Schedule (first 12 months)

Month	Payment	To Principal	Interest	Remaining

💡

The minimum payment trap: Paying only minimums on a $5,000 card at 22% APR takes 22+ years and costs $6,000+ in interest. Paying $200/month clears it in 3 years and saves $4,500. The difference is $150/month in extra payment.

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Payoff