Inputs
Calculation mode
Cards
Card 1
Card 2
Card 3
Debt Planning
Credit Card Payoff Calculator
Compare avalanche, snowball, or custom payoff strategies. Every result updates instantly as you edit your inputs.
Results
Total debt
$13,100.00
Payoff timeline
29 months
Projected payoff
Aug 2028
Monthly payment used
$600.00
Total interest
$4,050.06
Total paid
$17,150.06
Strategy order: Card 3 -> Card 1 -> Card 2
Highest monthly minimum payment observed: $400.00
Monthly payoff schedule
29 rows
| Month | Date | Payment | Interest | Principal | Remaining | Card 1 balance | Card 2 balance | Card 3 balance |
|---|---|---|---|---|---|---|---|---|
| 1 | Apr 2026 | $600.00 | $260.64 | $339.36 | $12,760.64 | $8,145.77 | $3,342.39 | $1,272.49 |
| 2 | May 2026 | $600.00 | $252.94 | $347.06 | $12,413.58 | $8,090.40 | $3,283.89 | $1,039.29 |
| 3 | Jun 2026 | $600.00 | $245.06 | $354.94 | $12,058.63 | $8,033.88 | $3,224.49 | $800.26 |
| 4 | Jul 2026 | $600.00 | $236.99 | $363.01 | $11,695.62 | $7,976.19 | $3,164.17 | $555.26 |
| 5 | Aug 2026 | $600.00 | $228.74 | $371.26 | $11,324.36 | $7,917.29 | $3,102.93 | $304.14 |
| 6 | Sep 2026 | $600.00 | $220.29 | $379.71 | $10,944.65 | $7,857.17 | $3,040.74 | $46.74 |
| 7 | Oct 2026 | $600.00 | $211.65 | $388.35 | $10,556.30 | $7,578.70 | $2,977.59 | $0.00 |
| 8 | Nov 2026 | $600.00 | $203.71 | $396.29 | $10,160.00 | $7,246.53 | $2,913.47 | $0.00 |
| 9 | Dec 2026 | $600.00 | $195.80 | $404.20 | $9,755.80 | $6,907.44 | $2,848.36 | $0.00 |
| 10 | Jan 2027 | $600.00 | $187.74 | $412.26 | $9,343.54 | $6,561.29 | $2,782.25 | $0.00 |
| 11 | Feb 2027 | $600.00 | $179.51 | $420.49 | $8,923.05 | $6,207.93 | $2,715.12 | $0.00 |
| 12 | Mar 2027 | $600.00 | $171.12 | $428.88 | $8,494.16 | $5,847.21 | $2,646.96 | $0.00 |
| 13 | Apr 2027 | $600.00 | $162.55 | $437.45 | $8,056.72 | $5,478.97 | $2,577.74 | $0.00 |
| 14 | May 2027 | $600.00 | $153.82 | $446.18 | $7,610.53 | $5,103.07 | $2,507.46 | $0.00 |
| 15 | Jun 2027 | $600.00 | $144.91 | $455.09 | $7,155.44 | $4,719.35 | $2,436.10 | $0.00 |
| 16 | Jul 2027 | $600.00 | $135.82 | $464.18 | $6,691.26 | $4,327.63 | $2,363.63 | $0.00 |
| 17 | Aug 2027 | $600.00 | $126.54 | $473.46 | $6,217.80 | $3,927.75 | $2,290.05 | $0.00 |
| 18 | Sep 2027 | $600.00 | $117.08 | $482.92 | $5,734.88 | $3,519.54 | $2,215.34 | $0.00 |
| 19 | Oct 2027 | $600.00 | $107.43 | $492.57 | $5,242.31 | $3,102.84 | $2,139.47 | $0.00 |
| 20 | Nov 2027 | $600.00 | $97.58 | $502.42 | $4,739.89 | $2,677.46 | $2,062.44 | $0.00 |
| 21 | Dec 2027 | $600.00 | $87.54 | $512.46 | $4,227.43 | $2,243.21 | $1,984.22 | $0.00 |
| 22 | Jan 2028 | $600.00 | $77.29 | $522.71 | $3,704.72 | $1,799.93 | $1,904.79 | $0.00 |
| 23 | Feb 2028 | $600.00 | $66.83 | $533.17 | $3,171.55 | $1,347.41 | $1,824.14 | $0.00 |
| 24 | Mar 2028 | $600.00 | $56.17 | $543.83 | $2,627.72 | $885.47 | $1,742.25 | $0.00 |
| 25 | Apr 2028 | $600.00 | $45.29 | $554.71 | $2,073.00 | $413.91 | $1,659.09 | $0.00 |
| 26 | May 2028 | $600.00 | $34.18 | $565.82 | $1,507.19 | $0.00 | $1,507.19 | $0.00 |
| 27 | Jun 2028 | $600.00 | $23.22 | $576.78 | $930.41 | $0.00 | $930.41 | $0.00 |
| 28 | Jul 2028 | $600.00 | $14.34 | $585.66 | $344.75 | $0.00 | $344.75 | $0.00 |
| 29 | Aug 2028 | $350.06 | $5.31 | $344.75 | $0.00 | $0.00 | $0.00 | $0.00 |
This planner estimates monthly payoff using fixed APR and payment assumptions. Real statements may differ due to issuer-specific rules, fees, and variable rates.