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Credit Cards Payoff Calculator

A payoff plan across several cards at once.

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Your cards

CardBalanceAPR (%)Minimum
—

Which card falls when

#CardAPRClearedInterest paid

Clear in

—

—

Total balance—
Sum of minimums—
Weighted average APR—
Total interest—
Total repaid—

Order comparison

Highest APR first—
Smallest balance first—
Difference—

Quick Tool Overview

The Credit Cards Payoff Calculator plans several cards at once: minimums on everything, surplus on one target, and the target payment rolled onward as each card clears. It runs highest-rate-first and smallest-balance-first and compares the two.

What it does
Builds a payoff plan across multiple credit cards
You give it
Each card with its balance, APR and minimum, plus your budget
You get back
A card order, the debt-free date and total interest each way
Best for
Clearing several cards without guessing the order
Calculators Free, unlimited use No sign-up Runs in your browser

About the Credit Cards Payoff Calculator

Add each card with its balance, APR and minimum payment, then set the total you can put towards cards every month. The calculator allocates minimums across all of them and directs everything left over at one target card, then rolls that payment onward as each card clears.

Ordering the cards is the whole decision. Highest APR first minimises the interest you pay, always, and on a spread of card rates the gap against any other order can be significant. Smallest balance first clears individual cards sooner, which frees up their minimums earlier and gives visible progress. The calculator runs both and reports the debt-free date and total interest for each, so the choice is made against numbers rather than intuition.

Key features of the Credit Cards Payoff Calculator

Both orderings compared

Highest APR first always costs less; smallest balance first clears cards sooner. Both are calculated on your numbers.

Minimums preserved

The plan keeps every card current, because late fees and penalty APRs cost more than the interest saved by skipping one.

Rolling payments

A cleared card frees its minimum for the next target, which is what makes the plan speed up.

Month-by-month projection

See which card falls when, rather than only a final date.

Interest gap quantified

The cost of choosing motivation over mathematics, stated as a number you can weigh.

How to use the Credit Cards Payoff Calculator

  1. 1

    Add every card

    Balance, APR and minimum payment for each card you are carrying a balance on.

  2. 2

    Set your monthly budget

    The total across all cards, which must cover at least the sum of the minimums.

  3. 3

    Compare the orderings

    Highest rate first against smallest balance first, in months and in total interest.

  4. 4

    Work the plan

    Pay minimums everywhere, put everything spare on the target card, and roll its payment onward when it clears.

Frequently asked questions

The one with the highest APR, if you want to pay the least interest. Every dollar directed at the most expensive debt saves more than the same dollar anywhere else in the plan.

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