Pick a payoff order, add an extra monthly payment, and see when you reach zero. Edit any balance or APR in the ledger below and everything recalculates.
| Strategy | Debt-free | Months | Total interest | First account cleared |
|---|
| Account | Status | Balance | APR | Interest / yr | Interest / mo | Est. minimum | Paid off |
|---|
Minimum payments are estimated as one month of interest plus 1% of the balance, with a $25 floor. Your card statements may differ. The simulator keeps the total monthly payment fixed and rolls each cleared card's minimum into the next target. Interest compounds monthly at APR ÷ 12.