Use this tool to plan how to pay off multiple credit cards, fast and on your terms. It calculates everything in real time, formats dollars automatically, and lets you email yourself a simple PDF summary.

1) Pick your approach

Target Months = deadline first
Tell the planner how many months you want to be debt-free (e.g., 18). It figures out the minimum monthly payment needed to hit that date.

Monthly Budget = budget first
Tell the planner how much you can pay each month (e.g., $600). It estimates how long payoff will take with each strategy.

Tip: Choose Target Months if timing matters most. Choose Monthly Budget if your monthly cash is fixed.

2) Add your cards

• Click + Add another card for each card you want to include.

• For each card, fill in:

  • Card nickname (just a label you’ll recognize)

  • Balance (current amount you owe)

  • APR (%) (interest rate shown on your statement)

You can remove a card any time with Remove.

3) Compare strategies

You’ll see three tabs. They use the same total monthly payment but prioritize cards differently:

• Even Payments
  Spreads payments across all cards so everything finishes on the same timeline. Predictable and steady.

• Snowball
  Pays off the smallest balance first, then “snowballs” that payment to the next card.
  Why people like it: quick wins that keep you motivated.
  Trade-off: can cost a bit more interest than Avalanche.

• Avalanche
  Pays off the highest APR first, then the next highest.
  Why people like it: usually the lowest total interest.
  Trade-off: early progress can feel slower than Snowball.

Each tab shows:

• Monthly: either the monthly budget you entered (Budget mode) or the minimum monthly needed (Target Months mode).

• Total Interest: the estimated interest you’ll pay over the plan.

• Months: how long the plan takes (or “Not feasible” if the target months are too aggressive).

• A small Month 1 Payment table showing where the money goes first. In Snowball/Avalanche, it’s normal for all of Month 1 to go to a single card, freed-up money then rolls to the next card.

• Month-By-Month: In Monthly Budget mode, Snowball and Avalanche will display a Month-By-Month plan for paying each card’s balance.

4) Email yourself a PDF

Click Email PDF, enter your name (optional) and email, and you’ll receive a simple PDF summary of your plan. (Your dollars and results match what you see on screen.)

Notes & disclaimers

• These are planning estimates. Interest is approximated using your APRs and typical monthly compounding. Real-world results can vary with fees, promo rates, or new charges.

• For the fastest payoff and lowest interest, don’t add new balances while following the plan.