Balance share35.2%
Enter multiple cards and loans, then compare highest-APR, smallest-balance, and input-order payoff strategies in one practical plan.
Quick examples
Payoff strategy
Extra payment goes to the debt with the highest APR first.
Quickly adjust extra payment
Payoff plan summary
2 yr 2 mo
August 2028
Balance
$10,800.00
First target
Card A
Debt list
Enter each card, loan, or credit line. Balance, APR, and minimum payment are enough to build a payoff plan.
Time to payoff
2 yr 2 mo
Total interest
$1,959.70
Interest saved
$1,608.71
Total monthly payment
$500.00
Compared with minimum payments only
Time saved
1 yr 4 mo
Interest saved
$1,608.71
This extra payment can reduce interest and produce a realistic payoff pace.
Payoff priority
1. Card A
$3,800.00 · 22.9%
2. Card B
$1,800.00 · 18.4%
3. Credit line
$5,200.00 · 11.8%
Monthly preview
Shows the first 6 months and payoff events.
| Month | Focused debt | Remaining balance | Paid off | Active debts |
|---|---|---|---|---|
| 1 | Card A | $10,451.25 | - | 3 |
| 2 | Card A | $10,097.01 | - | 3 |
| 3 | Card A | $9,737.19 | - | 3 |
| 4 | Card A | $9,371.69 | - | 3 |
| 5 | Card A | $9,000.42 | - | 3 |
| 6 | Card A | $8,623.29 | - | 3 |
| 17 | Card A | $4,057.80 | Card A | 2 |
| 20 | Card B | $2,672.80 | Card B | 1 |
| 26 | Credit line | $0.00 | Credit line | 0 |
Financial planning notice
This tool provides reference estimates only. Do not use it as the sole basis for lending, repayment, investment, tax, or contract decisions. Confirm the result with your lender, official documents, or a qualified professional before acting.
Total monthly payment
The tool adds monthly interest to each debt, applies the minimum payments, then sends the remaining monthly budget to the priority debt selected by your strategy. When one debt is paid off, its minimum payment rolls into the next target.
Avalanche usually saves more interest. Snowball can be easier to stick with because smaller balances disappear sooner.
No. It assumes the minimum payment you enter stays fixed, so use it as a planning estimate when issuer rules vary.
After minimum payments, the remaining budget goes to the current priority debt based on the selected strategy.
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