Card payoff calculator
Enter each balance, its rate and its minimum, plus what you can put on top. The same money is then spent two ways — highest rate first, and smallest balance first — so you can see what each order costs you in months and interest.
The reasoning behind the two orders is in Credit Card Debt After Nursing School. Nothing you type leaves your browser.
Your balances
| Account | Balance | APR % | Minimum | Remove |
|---|
What each order costs
Both columns spend the same money. Only the destination of the extra changes.
Highest rate first
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Smallest balance first
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Enter at least one balance to see the comparison.
Not modelled: promotional or deferred-interest terms, annual fees, missed or late payments, balance transfers, or a change in income. Interest is calculated monthly on the running balance at APR ÷ 12. If a schedule does not clear within 50 years, the tool says so rather than showing a number.
Use your browser's print or save function to keep the result. No account, no email, nothing stored.