Debt Payoff

Credit Card Payoff Calculator

Professional debt calculator

Balance
$
APR
%
Payment
$
Payment Type

Calculating your plan...

Payoff Time

-
months

Total Interest

-
$

Total Payment

-
$

Interest Saved

-
$
Principal vs Interest
Payment Schedule
# Payment Interest Principal Balance
Debt Management Tips

Snowball Method

Pay minimum on all debts, then put extra money toward the smallest debt first.

Avalanche Method

Pay minimum on all debts, then put extra money toward the highest interest rate debt.

Debt Consolidation

Combine multiple debts into one loan with a lower interest rate.

FAQ

Missing payments can result in late fees and damage to your credit score. Contact your lender immediately.

Contact your credit card company to request a rate reduction, especially if you have good payment history.

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All calculations are performed locally on your device. No data is sent to external servers.