Credit Cards Payoff Calculator

Create a highest-interest-first repayment plan for multiple credit cards.

Pay minimums, then direct remaining cash to the highest APR balance.

Result

Months until debt-free25

Total interest$1,823.78

Total paid$9,823.78

Principal
Interest

Calculation details

Scroll horizontally or vertically to see more. Download CSV for the complete schedule.

Month	Total payment	Interest	Total balance	Card A	Card B
1	400	136.67	7,736.67	4,791.67	2,945
2	400	132.02	7,468.69	4,579.51	2,889.18
3	400	127.30	7,195.98	4,363.47	2,832.51
4	400	122.48	6,918.47	4,143.47	2,775.00
5	400	117.59	6,636.06	3,919.43	2,716.63
6	400	112.61	6,348.66	3,691.29	2,657.37
7	400	107.53	6,056.20	3,458.96	2,597.24
8	400	102.37	5,758.57	3,222.38	2,536.19
9	400	97.12	5,455.69	2,981.45	2,474.24
10	400	91.77	5,147.46	2,736.11	2,411.35
11	400	86.33	4,833.80	2,486.28	2,347.52
12	400	80.79	4,514.59	2,231.86	2,282.73
13	400	75.16	4,189.75	1,972.77	2,216.97
14	400	69.42	3,859.17	1,708.94	2,150.23
15	400	63.58	3,522.76	1,440.27	2,082.48
16	400	57.64	3,180.40	1,166.68	2,013.72
17	400	51.59	2,831.99	888.07	1,943.93
18	400	45.44	2,477.43	604.35	1,873.08
19	400	39.18	2,116.61	315.43	1,801.18
20	400	32.80	1,749.41	21.21	1,728.20
21	400	26.31	1,375.72	0	1,375.72
22	400	20.64	996.36	0	996.36
23	400	14.95	611.30	0	611.30
24	400	9.17	220.47	0	220.47
25	223.78	3.31	0	0	0

How to use this calculator

Pay minimums, then direct remaining cash to the highest APR balance. Enter amounts in the units shown, select the applicable options, and click Calculate. Use Reset to restore the starting values.

Calculation formula

Debt avalanche: minimums on all debts, extra to the highest rate; freed payments roll over.

Assumptions and accuracy

Review timing, rates, fees and result notes when comparing scenarios. Future returns and rates are assumptions rather than guaranteed outcomes. Monetary display follows the currency’s precision; intermediate calculations retain additional digits.

Choose what to calculate

Multiple credit card payoff calculator

Build a repayment plan across multiple cards with entered balances, APRs and minimums. Review the payment allocation and interest under the available strategy.

Open this calculation

Understanding this calculation

Plan payments across multiple cards with one combined budget. The avalanche approach pays required minimums first and directs extra money toward higher-rate debt.

Worked examples

Repay two cards using a combined monthly budget

Illustrative inputs are specified in the steps below; the example link loads the complete settings. Unmentioned settings use the linked defaults.

Two 600 balances total 1,200. With zero APRs and a 200 budget, the debt can be cleared in six months; no interest accrues.

Total interest: 0 USD.

Try these inputs

Common questions

Is the card payoff budget extra or total money?

It is the combined monthly budget, including minimum payments. Do not add minimums again unless increasing the total budget.

Why prioritize the card with the highest APR?

Under the model's fixed assumptions, applying extra principal there reduces the highest-rate interest exposure first.

Scope and assumptions

Rates and payment assumptions are held as entered. New purchases, fees and promotional-rate changes are not inferred.

Sources

Calculation notes checked October 20, 2026. Examples are mathematical checks under the stated assumptions.

Calculation methods and formulas

Credit Card Payoff Plan