Balance share35.2%
List your cards and loans, enter what you can pay each month, and compare the easiest payoff order with the interest-saving order.
Payoff plan
Start with the money you can actually pay each month.
Do not add a fee again as a monthly fee if it is already reflected in the APR.
Minimums total
$350.00
Extra above minimums
$170.00
First-month interest
$151.25
Set a monthly budget quickly
Payoff summary
2 yr 1 mo
August 2028
Balance left
$10,800.00
First debt to focus
Card A
Finish by a target date
Choose a payoff period to estimate the monthly payment required for your debts and selected strategy.
Target period
Monthly payment needed
$383.00
Target period · 3 yr
Your current budget already meets this target.
Payoff order
The same monthly budget can produce different interest and payoff dates depending on the order.
Focus extra money on the debt with the highest annual interest rate.
Debt list
Add each card, loan, or credit line. If a statement says APR, put that number in annual interest.
Debt-free in
2 yr 1 mo
Total interest
$1,856.95
Interest saved
$1,711.46
Time saved
1 yr 5 mo
Strategy comparison
Compared with paying minimums only
The comparison baseline keeps today’s total minimum payment and rolls freed payments into the next debt.
Highest interest first
Focus extra money on the debt with the highest annual interest rate.
Debt-free in
2 yr 1 mo
Total interest
$1,856.95
First debt to focus
Card A
Smallest balance first
Clear the smallest balance first for faster visible wins.
Debt-free in
2 yr 1 mo
Total interest
$1,933.44
First debt to focus
Card B
My list order
Send extra money through the debts in the order shown.
Debt-free in
2 yr 1 mo
Total interest
$1,856.95
First debt to focus
Card A
This month priority
Payoff is possible, but interest still matters. A little more each month can help a lot.
1. Card A
Credit card · $3,800.00 · 22.9%
2. Card B
Credit card · $1,800.00 · 18.4%
3. Credit line
Credit line · $5,200.00 · 11.8%
Monthly preview
Shows the first 6 months plus payoff events.
| Month | Focus debt | Remaining total | Paid off this month | Active debts |
|---|---|---|---|---|
| 1 | Card A | $10,431.25 | - | 3 |
| 2 | Card A | $10,056.63 | - | 3 |
| 3 | Card A | $9,676.04 | - | 3 |
| 4 | Card A | $9,289.37 | - | 3 |
| 5 | Card A | $8,896.53 | - | 3 |
| 6 | Card A | $8,497.41 | - | 3 |
| 16 | Card A | $4,136.29 | Card A | 2 |
| 19 | Card B | $2,691.88 | Card B | 1 |
| 25 | Credit line | $0.00 | Credit line | 0 |
Financial planning notice
This tool provides reference estimates only. Do not use it as the sole basis for lending, repayment, investment, tax, or contract decisions. Confirm the result with your lender, official documents, or a qualified professional before acting.
Save this result, compare previous runs, or share a report.
Monthly budget check
Planning note
This is a planning estimate using fixed minimum payments and a fixed monthly budget. Actual card or lender rules, daily interest, fees, and prepayment terms may differ.
Method and official references
Strategy and APR guidance is based on CFPB consumer resources. Your lender agreement remains the controlling source.
Each month the tool adds interest and monthly fees, pays required minimums first, then sends the remaining budget to the priority debt.
Not always. APR can include the interest rate and certain required loan fees. You may use the disclosed APR as a planning rate, but avoid entering the same fee again.
Highest-rate first usually reduces total interest, while smallest-balance first can create quicker visible wins.
It is added after required payments in month one and sent to the priority debt. Check prepayment fees and principal-payment instructions with your lender.
It is a planning estimate. Daily interest, variable rates, due dates, fees, late-payment rules, and prepayment terms can change the actual result.
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