Add every card you're carrying, see what they're really costing you combined, then compare up to four ways to pay them off faster: a bigger fixed payment, extra money each month, a lower rate on your worst card, or a one-time lump sum. Real numbers, side by side.
Add every card you're carrying a balance on. Give each one a name so you can track it separately, everything below compares what happens across your whole card balance, not just one card at a time.
Your cards are saved automatically in this browser so you can come back and update balances later.
Paying only the minimums on every card is always shown as your baseline. Fill in any of the moves below to compare it against that baseline, leave any of them blank to skip. Extra money and lump sums always go to your highest-rate card first, then roll to the next once it's paid off, the mathematically fastest way to pay down multiple cards.
Commit to one flat total across all your cards combined, instead of letting your payment shrink as minimums shrink.
Keep paying the minimums, but commit to adding a fixed amount on top, combined across all your cards, every month.
See what a balance transfer or a negotiated rate on just your worst card would save, a realistic way lower rates actually happen. Everything else keeps paying its own minimum as normal.
Apply a tax refund, bonus, or savings right now to your highest-rate card, then continue with everyone's normal minimum afterward.
Add at least one card above to see your results.
Your combined balance across all cards, under each option.
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