justyourcalculatorCredit Card Payoff Calculator
Your fastest, cheapest way out of credit card debt across all your cards.
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Credit Card Payoff Calculator
Pay off several cards: avalanche vs snowball
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How the credit card payoff calculator works
Every month each card is charged interest at APR / 12, and each gets its minimum payment. Whatever is left of your budget goes to one target card.
The avalanche method targets the highest APR first, which always costs the least interest. The snowball method targets the smallest balance first, which clears whole cards sooner and can keep you motivated. When a card is paid off, its payment rolls into the next one.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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