Interactive tool

See what revolving credit really costs if the payment stays where it is.

Use balance, APR, and monthly payment to estimate payoff timing and interest cost on a credit card balance.

Payoff timelineInterest cost estimateCard debt support

Live estimate

Adjust the inputs and watch the numbers move

Estimate how long a card balance may take to pay off and what interest could cost.

Current result

Calculator inputs

Estimate how long a card balance may take to pay off and what interest could cost.

Tool

Compare a current card APR against a promo balance transfer offer.

Tool

Model how payment size changes total interest and time to payoff.

comparison

Compare the psychological and mathematical tradeoffs between debt snowball and debt avalanche strategies.