Credit Card Payoff Calculator
Credit cards compound fast because minimums are designed to keep you paying for years. Avalanche targets the 29.99% store card first in this three-card example with a $450 monthly budget. The schedule shows how surplus above minimums accelerates as each card clears.
Replace the example rows with your cards in the controls below. We flag any minimum that does not cover monthly interest. Download PDF or CSV when the plan looks right.
No product recommendations. Compare payoff strategies only.
Your debts stay in your browser. We never see them, and nothing is saved.
Avalanche (highest rate first)
Payoff: 36 months
Total interest: $4,637.04
First debt cleared: month 8
Snowball (smallest balance first)
Payoff: 37 months
Total interest: $4,815.61
First debt cleared: month 8
Avalanche: 36 months · $4,637.04 interest
Snowball: 37 months · $4,815.61 interest
Avalanche saves $178.57 in interest compared to snowball.
Paying only minimums costs $7,070.91 more in interest than avalanche.
Avalanche clear order
- 1. Store card — month 8
- 2. Rewards card — month 29
- 3. Everyday card — month 36
| Month | Debt | Payment | Interest | Principal | Balance |
|---|---|---|---|---|---|
| 1 | Rewards card | $155.00 | $129.11 | $25.89 | $6,174.11 |
| 1 | Store card | $200.00 | $34.99 | $165.01 | $1,234.99 |
| 1 | Everyday card | $95.00 | $69.63 | $25.37 | $3,774.63 |
| 2 | Rewards card | $155.00 | $128.58 | $26.42 | $6,147.69 |
| 2 | Store card | $200.00 | $30.86 | $169.14 | $1,065.85 |
| 2 | Everyday card | $95.00 | $69.17 | $25.83 | $3,748.80 |
| 3 | Rewards card | $155.00 | $128.03 | $26.97 | $6,120.72 |
| 3 | Store card | $200.00 | $26.64 | $173.36 | $892.49 |
| 3 | Everyday card | $95.00 | $68.70 | $26.30 | $3,722.50 |
| 4 | Rewards card | $155.00 | $127.46 | $27.54 | $6,093.18 |
| 4 | Store card | $200.00 | $22.30 | $177.70 | $714.79 |
| 4 | Everyday card | $95.00 | $68.21 | $26.79 | $3,695.71 |
| 5 | Rewards card | $155.00 | $126.89 | $28.11 | $6,065.07 |
| 5 | Store card | $200.00 | $17.86 | $182.14 | $532.65 |
| 5 | Everyday card | $95.00 | $67.72 | $27.28 | $3,668.43 |
| 6 | Rewards card | $155.00 | $126.31 | $28.69 | $6,036.38 |
| 6 | Store card | $200.00 | $13.31 | $186.69 | $345.96 |
| 6 | Everyday card | $95.00 | $67.22 | $27.78 | $3,640.65 |
| 7 | Rewards card | $155.00 | $125.71 | $29.29 | $6,007.09 |
| 7 | Store card | $200.00 | $8.65 | $191.35 | $154.61 |
| 7 | Everyday card | $95.00 | $66.71 | $28.29 | $3,612.36 |
| 8 | Rewards card | $155.00 | $125.10 | $29.90 | $5,977.19 |
| 8 | Store card ✓ | $158.47 | $3.86 | $154.61 | $0.00 |
| 8 | Everyday card | $95.00 | $66.20 | $28.80 | $3,583.56 |
Showing first 24 of 73 rows. Download PDF or CSV for the full schedule.
The Handy Pages · thehandypages.com
Related payoff plans
Multiple Credit Card Payoff Calculator
Free multiple credit card payoff calculator: compare snowball vs avalanche dates and interest. Download a month-by-month PDF or CSV. Runs in your browser only.
Student Loan Payoff Plan
Free student loan payoff plan: compare snowball vs avalanche dates and interest. Download a month-by-month PDF or CSV — debts stay in your browser.
Debt Payoff Calculator
Free debt payoff calculator: compare snowball vs avalanche dates and interest. Download a month-by-month PDF or CSV — debts stay in your browser.
Debt Snowball vs Avalanche — Side-by-Side Comparison
Free debt snowball vs avalanche: compare snowball vs avalanche dates and interest. Download a month-by-month PDF or CSV — debts stay in your browser.
Finance calculators
Pay off loans & debt
Amortization Schedule
Full loan amortization schedule with extra payments. Download a printable PDF or CSV. Your loan figures never leave your browser.
Refinance Break-Even Calculator
Compare monthly payments, break-even month, and lifetime interest when refinancing. Download a printable PDF or CSV.
PMI Removal Calculator
See when you may request PMI cancellation and when automatic termination applies. Download a printable PDF with cancellation checklist.