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Credit card payoff, balance transfer ROI, debt snowball, snowball vs avalanche, the minimum-payment trap. No "apply for our card" affiliate links. Just the math.
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Popular Calculators
View all →Credit Card Payoff Calculator
How long to pay off your balance with a fixed monthly payment, plus total interest.
Minimum Payment Calculator
See the trap — paying only the minimum can take 20+ years and cost 2x the balance.
Balance Transfer Calculator
Transfer fee vs interest savings ROI — is the 0% promo worth it?
Debt Snowball Calculator
Pay off smallest balance first — payoff order with momentum-building wins.
Debt Avalanche Calculator
Pay off highest APR first — math-optimal payoff order saves the most interest.
Credit Card Interest Calculator
Daily and monthly interest accrual on any balance and APR.
How long to pay off your card?
Enter balance, APR, monthly payment — see your payoff date and total interest in seconds.
Open Payoff Calculator →