Minimums come before targeting
Every active account must receive at least its required payment. A payoff method controls only the surplus after those obligations are protected.
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Credit Cards Payoff Calculator
Build a six-card payoff plan with limits, standard and promotional APRs, minimums, continuing purchases, avalanche and snowball priorities, annual and one-time extras, utilization, minimum-only comparison, Chart.js paths, payoff order, and a monthly ledger.
Multi-card payoff, promotional APR, and utilization plan
Keep every minimum current while directing the surplus deliberately
Model six cards, promotional rates, monthly purchases, credit limits, a fixed budget, annual and one-time extra payments, avalanche and snowball priorities, minimum-only cost, payoff order, utilization, Chart.js paths, and a monthly ledger.
Plan with context
A multi-card payoff works when every minimum is protected and every surplus dollar has a destination.
A good plan must survive promotional expirations, ongoing charges, and the household budget. Comparing avalanche, snowball, and minimum-only paths makes both financial cost and behavioral tradeoffs visible.
Avalanche minimizes modeled interest
After minimums, the avalanche directs cash to the highest effective APR. Promotional-rate expirations can change which card deserves priority during the plan.
Snowball creates earlier account closures
Paying the smallest balance first can produce quicker visible wins and fewer open balances to manage, but may cost more when a larger high-rate balance waits.
New purchases can defeat the schedule
Continuing charges increase both balance and interest exposure. If required payments do not exceed interest and new purchases, an account may never amortize.
Utilization is not a payoff metric
Aggregate balance divided by total limits provides context, but scoring models also consider per-card utilization, payment history, age, inquiries, and other credit-file information.
Issuer mechanics affect actual interest
Many cards accrue interest using average daily balances and have contract-specific minimum formulas, grace periods, allocation rules, fees, deferred-interest clauses, and penalty APRs.
Included
Six editable cards, names, balances, credit limits, standard APR, promotional APR and duration, entered minimum payment, monthly new charges, total monthly budget, avalanche or snowball targeting, annual and one-time extras, combined utilization, weighted APR, payoff order, minimum-only benchmark, Chart.js balance and allocation visuals, and a monthly ledger.
Not included
Daily transaction dates, average-daily-balance accrual, statement cycles, grace-period restoration, cash advances, separate purchase and transfer buckets, balance-transfer fees, deferred-interest retroactivity, late and annual fees, variable index changes, issuer-specific minimum formulas, credit scoring, settlement, collections, or legal advice.
Use it well
Copy balances, APR buckets, promotional expiration dates, and minimums from current statements, stop or explicitly model new charges, automate at least every minimum, maintain a cash buffer against missed payments, and revisit the order whenever an APR changes.