Know exactly when you will be debt-free.
Free credit card payoff, balance-transfer ROI, debt snowball vs avalanche, and minimum-payment-trap calculators. No “apply for our card” affiliate links — just the math, and a real payoff date.
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Popular calculators
The tools people reach for most.
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, and monthly payment — see your payoff date and total interest in seconds.
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