plug in what you owe. we'll show you the fastest way out, down to the month.
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your numbers
tell us about you
nothing leaves this page. promise.
total minimums$0/mo
extra toward debt$
total monthly$0/mo
pick a strategy
debt-free in
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your payoff over time
each bar is one month. watch the pink shrink. that's less of your money going to interest.
debt paid down interest paid
what it takes
three nudges to flip this from growing to gone
these use the avalanche order (highest APR first): the path that pays the least interest.
when each debt goes away
the specific order, for your numbers
how the strategies compare
same debts, same extra, different orders
your payoff options
a 0% card. a lower-rate loan. or both. each one could finish your payoff sooner, after fees.
common questions
snowball or avalanche?+
pick the one you'll stick with. snowball gives you quick wins (small debts gone fast), which keeps most people going. avalanche saves the most interest on paper. the math difference is usually smaller than people think. the real win is consistency, not picking the "right" one.
what if i can only afford the minimums?+
that's real. some seasons have no extra. the "minimums only" tab shows you exactly what happens if nothing changes. if your minimums barely cover interest, your balance grows. seeing that clearly is the first step to changing it when you can.
should i get a personal loan to pay off my cards?+
if the rate beats your highest-APR debt, it usually saves money. watch for origination fees (1-8%) and the rate you actually qualify for, not the advertised one. use the payoff options above to model your numbers. one catch: it only works if the cards stay at zero after.
what about a 0% balance transfer card?+
great if you can clear the balance before the intro period ends (usually 12-21 months). the transfer fee is 3-5% upfront. if you don't finish in time, the rollover APR kicks in, often 24%+. use the payoff options section above to see if your payment is enough to clear it in time. we'll flag the warning automatically if it's not.
can i do both: 0% card and a personal loan?+
yes, often the smart play. send your highest-APR cards to a 0% card up to its limit, then the rest to a personal loan at a lower rate. the combo option above auto-assigns highest-APR first and overflows the rest. adjust which goes where if you want.
my minimum payment keeps going down. is that good?+
not really. most credit card minimums are 1-3% of balance, so as the balance drops, the minimum drops too. that stretches payoff time. paying the same fixed amount even as minimums fall is a superpower.
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need more to put toward this?
the spending calculator shows you where small swaps free up cash. even $50/mo changes the timeline.