Credit Cards Payoff Calculator

Calculate how long it takes to pay off multiple credit cards using avalanche or snowball method.

Enter Your Values

Credit Card 1 — Balance ($)

APR (%)

Min Payment ($)

Credit Card 2 — Balance ($) optional

APR (%)

Min Payment ($)

Extra Monthly Payment ($)

Results

Fill in your values above and click Calculate.

Frequently Asked Questions

Q.What is the avalanche method?

Pay minimums on all cards, then put all extra money toward the highest interest rate card. Saves the most in interest overall.

Q.What is the snowball method?

Pay minimums on all cards, then attack the smallest balance regardless of rate. Provides psychological wins to stay motivated.