Credit Cards Payoff Calculator
List every card's balance and APR, add your total monthly budget, and see the avalanche order that minimizes interest.
Debt-free in
0 yr 0 mo
- Total interest
- $0.00
- Attack order (highest APR first)
- #1
How the Credit Cards Payoff Calculator works
The calculation follows the standard method used across the US — no shortcuts, no hidden assumptions. Here is exactly what happens behind the scenes:
Frequently Asked Questions
Avalanche or snowball?
Avalanche (highest APR first) always minimizes interest. Snowball (smallest balance first) costs a bit more but delivers motivating quick wins — pick what you'll stick with.
Should I consolidate instead?
If your blended APR exceeds a personal loan offer by several points, consolidation can win. Compare both scenarios with our Debt Consolidation calculator.
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