Free Calculator
See exactly how long it will take to pay off your credit card and how much interest you will pay. Compare minimum vs. accelerated payments.
Average US credit card APR is ~24%
Additional amount above your base payment
Debt-Free Date
May 2029
Interest
$2,135
Principal
$5,000
Min. Payment Only
236 mo
$9,278 interest
Your Plan
36 mo
$2,135 interest
Paying $200/month saves you $7,143 in interest and gets you debt-free 200 months sooner than minimum payments only.
Avalanche Method
Pay highest APR cards first. Saves the most interest.
Snowball Method
Pay smallest balances first. Best for motivation.
Balance Transfer
Move debt to a 0% APR card. Watch transfer fees.
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