Credit Card Payoff Calculator
Calculate your fastest path to becoming debt-free. Compare Avalanche, Snowball, and Custom repayment strategies in real time with multi-currency support and promotional APR modeling.
1. Currency & Budget
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2. Your Credit Cards
Drag cards to re-order for Custom strategy🔒 100% Client-Side Privacy: All calculations are processed locally inside your browser. No financial data is sent to any server.
3. Strategy Comparison
Enter your credit card details
Add your credit cards and set a monthly budget to compare repayment strategies.
🏔 Avalanche
Highest APR First
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Total Interest: -
Time to Payoff: -
⛄ Snowball
Smallest Balance First
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Total Interest: -
Time to Payoff: -
🛠 Custom
Your Drag & Drop Order
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Total Interest: -
Time to Payoff: -
PROJECTED DEBT-FREE TIMELINE
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Years
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Months
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Days
Balance Breakdown Over Time
Total Interest Comparison
Month-by-Month Amortization Schedule
| Month | Payment | Principal | Interest | Remaining Debt |
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