Credit Card Payoff Planner
Add your cards and compare payoff strategies side by side.
Your credit cards
Extra monthly payment
📎 Defaulting to your budget surplus
Strategy insights
Avalanche saves you $387 in interest vs Snowball.
You'll be debt-free in 8 months using Avalanche (Jan 2027).
Adding $100 more/month would save $19 and cut 50+ years off your timeline.
Balance over time
AvalancheSnowball
Strategy comparison
avalancheHighest interest first
Best for: saving money1
Capital One
$6,500 · 26.99% APR · paid off Sep 2026
2
Chase Sapphire
$4,200 · 22.99% APR · paid off Dec 2026
3
Citi Double Cash
$1,800 · 18.99% APR · paid off Jan 2027
Time: 8 monthsInterest Paid: $1,034
snowballLowest balance first
Best for: motivation1
Citi Double Cash
$1,800 · 18.99% APR · paid off Jul 2026
2
Chase Sapphire
$4,200 · 22.99% APR · paid off Oct 2026
3
Capital One
$6,500 · 26.99% APR · paid off Feb 2027
Time: 9 monthsInterest Paid: $1,421
Month-by-month schedule
| Month | Date | Total Balance | Chase Sapphire | Citi Double Cash | Capital One |
|---|---|---|---|---|---|
| 1 | Jun 2026 | $10,762 | $4,196 | $1,792 | $4,773 |
| 2 | Jul 2026 | $8,985 | $4,193 | $1,785 | $3,008 |
| 3 | Aug 2026 | $7,168 | $4,189 | $1,777 | $1,202 |
| 4 | Sep 2026 | $5,955 | $4,185 | $1,769 | PAID OFF |
| 5 | Oct 2026 | $4,200 | $2,439 | $1,761 | PAID OFF |
| 6 | Nov 2026 | $2,411 | $658 | $1,753 | PAID OFF |
| 7 | Dec 2026 | $1,745 | PAID OFF | $1,745 | PAID OFF |
| 8 | Jan 2027 | $0 | PAID OFF | PAID OFF | PAID OFF |
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