Credit Card Debt Calculators
Payoff strategies and the escape routes out of 20%+ interest.
Credit Card Payoff Calculator
Compare the snowball and avalanche strategies across all your cards and see how much interest each plan saves.
Open calculator →Balance Transfer Calculator
Is a 0% balance transfer worth the fee? Compare keeping your card vs transferring, month by month.
Open calculator →Personal Loan vs Balance Transfer Calculator
The two main escapes from card debt, compared honestly: fixed-rate loan vs 0% intro offer, fees included, same monthly budget.
Open calculator →Balance Transfer Fee Calculator
What the 3–5% transfer fee costs in dollars, how many days of interest it buys back, and the exact balance where it stops being worth paying.
Open calculator →Debt Snowball Calculator
The smallest-first method with a milestone timeline: the date each debt disappears, your first win, and your debt-free day.
Open calculator →Debt Avalanche Calculator
Highest rate first, minimum interest paid: a rate-kill timeline showing how fast your monthly interest bleed shrinks to zero.
Open calculator →Credit Card Interest Calculator
What your balance really costs: interest per day, per month, and per year — and the payment that finally beats it.
Open calculator →Balance Transfer Payoff Calculator
The exact monthly payment that clears your transferred balance before the 0% window shuts — and what the leftover costs if you miss the deadline.
Open calculator →Home Equity vs Credit Card Debt Calculator
Should you use a HELOC or home equity loan to pay off credit cards? The interest saved, the cost of stretching the term — and the debt you just secured with your house.
Open calculator →Credit Card Minimum Payment Calculator
Work out your card’s minimum payment from the issuer’s own formula — then watch how paying only that shrinking minimum keeps you in debt for years, and what a fixed payment saves.
Open calculator →Guides for this cluster
Decision guides and data studies that use these calculators.
Minimum Payment Statistics: How Long Credit Card Debt Really Lasts
Original data: how many years minimum payments take at every common balance and APR, computed month by month — including the balances that never pay off at all.
Read →Personal Loan or Balance Transfer? The Honest Answer for Card Debt
A one-number test decides most cases: can your budget clear the balance inside the 0% window? Here is how to answer it — and what to do when you can't.
Read →What an Extra $100 a Month Does to Your Debt: The Full Tables
Original data: how much time and interest an extra $100/month cuts from a mortgage, student loans, an auto loan, a personal loan, and a credit card — including the debts it outright rescues.
Read →How Is Your Credit Card Minimum Payment Calculated?
The two formulas US card issuers use to set your minimum payment, where your card's exact formula is written down, and why it matters at today's APRs.
Read →How Much Interest Does a Credit Card Charge Per Day?
The daily interest math behind your credit card: what the daily periodic rate (DPR) is, worked examples at 24.99% APR, and how to get the daily charge to zero.
Read →How Do You Calculate Savings From Debt Consolidation?
How to calculate your real savings from debt consolidation by hand, and why a lower monthly payment is not the same as saving money.
Read →What Is a Balance Transfer Fee — and How Do You Calculate It?
What a balance transfer fee is, how to work out the exact dollar cost, the typical 3–5% range, when no-fee offers make sense, and the one number that tells you if it is worth paying.
Read →Balance Transfer Break-Even: When the Fee Pays for Itself — The Full Tables
Original data: exactly how many days of interest a 3% or 5% transfer fee buys back, the payment needed to clear the balance before 0% ends, and why a no-fee card can be the most expensive offer on the board.
Read →