Personal Finance · 7 calculators
Pay off credit card debt faster: payoff time, minimum payments, interest, utilisation and balance transfers.
Credit Card
Find how long it takes to pay off a credit card with a fixed payment, or the payment needed to clear it by a target date.
Monthly interest = balance × APR ÷ 12
Also called credit card payoff · pay off credit card
Credit Card
See how long it takes and how much interest you pay if you only make the credit card minimum payment each month.
Minimum = max(floor, 1–3% of balance + in…
Also called minimum payment calculator · only paying minimum
Credit Card
Monthly and daily interest charged on a credit card balance from the APR, using the average daily balance method.
Interest = balance × (APR ÷ 365) × days
Also called credit card interest · apr to monthly interest
Credit Card
Calculate overall and per-card credit utilization — a key credit-score factor — and the balance to stay under 30% or 10%.
Utilization = total balances ÷ total limi…
Also called credit utilization ratio · utilization rate
Credit Card
Is a 0% balance transfer worth it? Compare interest on your current card with the transfer fee and promo period.
Savings = interest on current card − (fee…
Also called balance transfer savings · 0% apr transfer
Credit Card
See how extra monthly payments shorten a loan, mortgage or credit card and how much interest you save.
Extra goes straight to principal, cutting…
Also called prepayment calculator · pay off loan early
Credit Card
Plan paying off several cards with the avalanche (highest APR first) or snowball (smallest balance first) method.
Pay minimums on all cards; put every extr…
Also called debt snowball calculator · debt avalanche calculator
| Credit Card Payoff | Monthly interest = balance × APR ÷ 12 |
|---|---|
| Credit Card Minimum Payment | Minimum = max(floor, 1–3% of balance + interest) |
| Credit Card Interest | Interest = balance × (APR ÷ 365) × days |
| Credit Utilization | Utilization = total balances ÷ total limits × 100 |
| Balance Transfer | Savings = interest on current card − (fee + interest on new card) |
| Extra Payment | Extra goes straight to principal, cutting future interest |
| Multiple Credit Card Payoff | Pay minimums on all cards; put every extra dollar on the target card |
Avalanche saves the most interest mathematically. Snowball clears small balances first, which some people find more motivating. The difference is often small — consistency matters most.