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Pay Off Debt

See how long it takes to pay off a credit line and the total interest at a fixed monthly payment.

See how long it takes to pay off a credit card and the payment needed to clear it by a target date.

See how long it takes — and how much interest you pay — making only the minimum payment.

See the true long-term cost of carrying a balance — total interest and the growth those dollars could earn.

Add up all your debts into one view — total balance, total payment, and blended interest rate.

Payoff Strategies

Pay debts smallest-balance-first, rolling each freed-up payment into the next, to become debt-free faster.

Pay debts highest-rate-first (the avalanche), rolling each freed-up payment into the next to save the most interest.

See how adding an extra amount each month shortens your payoff and slashes the interest you pay.

Compare your current debts against rolling them into a single personal consolidation loan.

Compare keeping a balance on your current card against transferring it to a lower-rate card with a fee.

Find the lowest-interest way to distribute balances across your cards within their credit limits.

Model a 0% or low intro rate that later reverts, to see if you clear the balance before the promo ends.

Consolidate to a lower payment, invest the monthly savings, and see what that difference could grow to.