Pay off multiple credit cards faster

This free credit card payoff calculator adds up every card, takes your monthly budget, and instantly compares the Snowball and Avalanche payoff methods side by side — see exactly which one gets you debt-free sooner.

Your cards

Monthly budget

Total you can pay toward all cards, per month

Extra payment on top of your budget

Fastest debt-free date

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Using the recommended method

Months to freedom

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Total interest paid

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Snowball

Smallest balance first

Debt-free: —
Months: —
Interest: —

Avalanche

Highest APR first

Debt-free: —
Months: —
Interest: —

Balance over time

SnowballAvalanche

Both methods, computed together

Most calculators only run the Avalanche method and describe Snowball in a paragraph. We compute both in full, side by side, so you can see the real tradeoff.

A real payoff chart

Watch your total balance decline month by month instead of reading a wall of numbers in a plain table.

Nothing to sign up for

No account, no email capture, no paywall. Your numbers never leave your browser.

Learn the methods

Snowball vs Avalanche: which is faster?The debt snowball method, explained The debt avalanche method, explained

Or jump straight to a dedicated view: snowball calculator,avalanche calculator,minimum payment calculator,interest calculator, or read more on the blog.