Free Debt Payoff Tool

Stop Paying Interest.
Start Paying Off.

See exactly how long it'll take to pay off your credit cards — and how much you'll save by choosing the right strategy.

Credit card debt costs the average American household over $1,000 a year in interest alone. This free payoff planner shows you exactly how long it will take to pay off your cards, how much interest you'll pay in total, and how much you can save by choosing the right repayment strategy. No sign-up, no emails, no catch — just enter your balances and get your plan in seconds.
Your Credit Cards
Add each card you're carrying a balance on
Payoff Strategy
How do you want to attack this debt?
$
$0

Add your credit cards on the left
and hit Calculate to see your payoff plan.

Your Payoff Summary Avalanche Method
Payoff Order & Timeline
Strategy Comparison
How do the two methods stack up for your situation?
Payment Schedule
Month-by-month breakdown of each card
Could a Balance Transfer Card Help?
Moving high-interest debt to a 0% intro APR card can save you hundreds. Here are top picks right now.
Bankrate Top Picks Compare →
Best 0% intro APR offers. Updated monthly.
NerdWallet Ratings See Offers →
Rated by interest savings & transfer fees.
Credit Karma Check Odds →
See cards you're likely to be approved for.
Advertiser disclosure: Links may be compensated. Rates and offers subject to change. Always read card terms before applying.