Free Credit Card Payoff Calculator Advanced • Light
Plan your debt‑free date using Avalanche, Snowball, or a Custom priority. Supports multiple cards, promo APRs, monthly budget + one‑time extra, rounding, autosave, CSV/PDF/image export, and a printable amortization schedule.
Cards
Minimum payment = max( min% × balance , floor ). Optional promo APR applies until its end date.
| Card | Balance | APR % | Min % | Min Floor | Extra /mo | Promo % | Promo Ends | Priority |
|---|
Debt‑free date
—
Months to payoff
—
Total interest
—
Total paid
—
Payoff Timeline
Summary
Amortization Schedule
| Month | Card | Payment | Interest | Principal | End Balance |
|---|
What is a Free Credit Card Payoff Calculator?
It’s a planning tool that estimates how long it’ll take to repay your credit card balances and how much interest you’ll pay. This advanced version supports multiple cards, avalanche vs snowball, promo APRs, and detailed schedules so you can make a data‑driven plan.
How to Use
- Add each card with balance, APR, and minimums (or floors).
- Pick Avalanche, Snowball, or your Custom priority order.
- Enter your monthly budget and optional one‑time extra.
- Click Calculate to see your debt‑free date, total interest, chart, and schedule.
- Export CSV/PDF or save/print your plan. Share with your partner or coach.
Why Use It
- See how small extra payments slash interest.
- Compare strategies safely before committing.
- Stay motivated with a clear, visual timeline.
Who Can Use
- Individuals and families managing multiple cards.
- Students and new earners learning repayment tactics.
- Financial coaches, advisors, and bloggers.