Safe to SpendDebt payoff calculator
Add each credit card, choose avalanche or snowball, and enter what you can pay in total each month. This calculator runs only in your browser. Nothing you type is sent or saved.
Estimate based on the amounts entered. Assumes planned payments are made and no new charges are added.
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Avalanche or snowball?
Avalanche puts every extra dollar on the card with the highest interest rate, which usually costs less interest overall. Snowball puts extra money on the smallest balance first, so you clear individual cards sooner. Both pay at least the minimum on every card each month.