Your Credit Cards (up to 5)

Card 1

Name

Balance ($)

APR (%)

Minimum Payment ($)

Card 2

Name

Balance ($)

APR (%)

Minimum Payment ($)

Card 3

Name

Balance ($)

APR (%)

Minimum Payment ($)

Card 4

Name

Balance ($)

APR (%)

Minimum Payment ($)

Card 5

Name

Balance ($)

APR (%)

Minimum Payment ($)

Extra Monthly Payment ($)

Payoff Strategy

Payoff Summary

Months to Debt-Free	—
Total Interest Paid	—

Payoff Order

Snowball vs. Avalanche

The debt snowball method targets the smallest balance first for quick wins and motivation. The debt avalanche method targets the highest APR first to minimize total interest. Both assume you pay all card minimums each month and apply any extra payment to the priority card; when a card is paid off, its minimum rolls into the extra pool.

How to Use This Calculator

Enter up to five cards with balance, APR, and minimum payment (leave unused rows blank).
Add an optional extra monthly payment beyond all minimums.
Select snowball or avalanche and review months to debt-free and payoff order.

Disclaimer. This calculator is for informational purposes only and is not financial, tax, or lending advice. Issuer rules, fees, and promotional rates are not modeled. Verify your plan with a qualified professional.