🃏 Credit Card Payoff

Find your debt-free date.

Balance ($)

Annual Rate (%)

Monthly Payment ($)

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Total Interest

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Total Paid

Avalanche vs Snowball

Avalanche: pay highest rate first (saves most money). Snowball: pay smallest balance first (psychological wins).

How to pay off faster?

Any extra payment reduces principal and cuts future interest. Doubling minimums often halves payoff time.