Credit Card Payoff Calculator

Calculate your debt-free date

Current Balance ($)

APR (%)

Monthly Payment ($)

Strategy

Months to Pay Off--

Total Interest Paid--

Total Paid--

Debt-Free Date--

Credit Card Payoff Strategies

Avalanche Method: Pay off highest-interest debt first. Saves the most money mathematically.

Snowball Method: Pay off smallest balance first. Psychological wins keep you motivated.

Balance Transfer: Move debt to a 0% APR card for 12-18 months. Every dollar goes to principal.