Skip to content
Calculator Tools
Credit Card Calculators

Multiple Credit Card Payoff Calculator

Plan paying off several cards with the avalanche (highest APR first) or snowball (smallest balance first) method.

Enter values

Results update as you type.

Result

Debt-free in

1 yr 11 mo

Total interest
$2,084.79

Payoff order

CardPaid off after
Card 30 yr 4 mo
Card 10 yr 11 mo
Card 21 yr 11 mo

About the Multiple Credit Card Payoff Calculator

Plan paying off several cards with the avalanche (highest APR first) or snowball (smallest balance first) method.

Also known as: debt snowball calculator, debt avalanche calculator, snowball vs avalanche, pay off multiple cards.

How to use this calculator

  1. Enter cards: balance, apr %, minimum payment (one per line), total monthly budget, method.
  2. The result updates instantly as you type — press Calculate (or Enter) at any time.
  3. Review the breakdown shown under the main result.
  4. Use Copy result or Share to save the answer or send a link with your inputs.

Formula

Pay minimums on all cards; put every extra dollar on the target card

Worked example

Using the values pre-filled in the calculator above:

  • Cards: balance, APR %, minimum payment (one per line): 2500, 24.9, 75 6000, 19.9, 150 900, 27.5, 35
  • Total monthly budget = 500
  • Method: Avalanche (highest APR first)

the calculator returns:

  • Debt-free in: 1 yr 11 mo
  • Total interest: 2,084.79

Frequently asked questions

Avalanche or snowball?

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.