Credit Card Payoff Calculator
See exactly how long it takes to crush your balance — and how much extra payments save in interest.
Time To Payoff
0y 0m
Total Interest
$0
Save With +$100/Mo
$0
Done In 0y 0m
Balance Over Time
Why Credit Card Debt Is So Expensive
The average US credit card APR is over 20%. That is higher than almost any expected investment return — meaning paying off the balance is mathematically the best "investment" you can make.
Avalanche vs Snowball
Avalanche (highest APR first) saves the most money. Snowball (smallest balance first) builds momentum. Pick whichever you will actually stick with.