EasyLife

Multi-Card Debt Payoff Calculator

See exactly when you’ll be debt-free.

Paying only the minimums

Debt-free Apr 2035

Time to zero

8 yr 7 mo

Interest you pay

$7,571

Pay first: Store card

Free · No signup · Runs entirely in your browser

Now swap in your own numbers

The two debts below are examples. Change them to yours — the plan above updates as you type.

Paying only the minimums

Debt-free Apr 2035

What each box means
  • Balance — how much you still owe on that card or loan.
  • APR % — the yearly interest rate. It’s printed on your statement (for example, 22.99).
  • Min. payment — the smallest amount your lender makes you pay each month.
  • Extra per month — any money you can pay on top of the minimums. You keep paying every minimum, and your extra all goes to one debt at a time — the highest interest rate first. When that debt is gone, the money rolls to the next one, so you finish as fast as possible. (It’s not split evenly across them.)

Want to finish sooner?

$

What if you added $50/month?

Debt-free Nov 2030 — 4 yr 5 mo sooner · $4,331 less interest.

Tap an amount above to try it.

AvalancheRecommended

Highest APR first · least interest

Debt-free in
8 yr 7 mo
Payoff date
Apr 2035
Total interest
$7,571
Snowball

Smallest balance first · quick wins

Debt-free in
8 yr 7 mo
Payoff date
Apr 2035
Total interest
$7,571
Your payoff order — highest APR first
  1. 1
    Store cardPay this first
    $1,200 · 26.99%
  2. 2
    Visa
    $4,500 · 22.99%

Download your personalized payoff plan

Your numbers, your payoff order and next steps as a PDF — plus the free Debt Freedom Starter Kit.

Your next actions

  • Attack Store card first — at 26.99% it’s costing you about $27/mo in interest right now. It’s also your smallest balance, so avalanche and snowball agree here.
  • Keep every other debt on its minimum and put every spare dollar on that one. When it clears, roll its payment onto the next — keep your total monthly payment flat.
  • Don’t add new charges while you pay this down — a small buffer in checking keeps a surprise from going back on the card.

Based on the numbers you entered — general guidance, not personal financial advice.

You’ve got your numbers. Now get the complete system.

Escape Credit Card Debt turns this estimate into a done-for-you plan:

  • Printable 90-day payoff plan
  • Bill & rate negotiation scripts
  • Monthly debt tracker
  • Progress worksheets
  • Step-by-step implementation
See Escape Credit Card Debt — $19

Come back next month and update your numbers — they stay on this device, nothing is uploaded.

Everything runs in your browser — your numbers are never uploaded. This is an educational estimate (interest at APR ÷ 12, fixed payments), not financial advice.

Everything runs in your browser — your entries are never uploaded or stored. More in our Privacy Policy.

Most payoff calculators only handle one card. This one takes your whole picture: add every credit card with its balance, APR and minimum payment, put in whatever extra you can pay each month, and it shows the snowball and avalanche plans side by side — how many months each takes, the total interest, and which card to attack first.

It runs entirely in your browser: your numbers are never uploaded. When you are ready, download your personal payoff plan as a PDF.

How it works

  1. Enter your debts

    Add each credit card or loan with its balance, APR and minimum monthly payment.

  2. Add your extra payment

    Type how much more than the minimums you can put toward debt each month — even $50 changes the picture.

  3. See your plan

    Compare snowball vs. avalanche instantly, then download the plan as a PDF.

FAQ

What is the difference between snowball and avalanche?

The debt snowball pays off the smallest balance first for quick, motivating wins. The debt avalanche pays off the highest-APR debt first, which costs the least interest overall. This calculator shows both so you can pick the one you will actually stick with.

Are my numbers uploaded anywhere?

No. The whole calculation runs in your browser — your balances and rates are never sent to a server. Only if you choose to email yourself the PDF do we store your email address, to send the plan and the free starter kit.

How accurate is it?

It simulates your payoff month by month, charging interest at your APR divided by 12 on the remaining balance and keeping your payments constant. Real cards vary — minimums usually shrink as the balance falls and rates can change — so treat the result as a close, honest estimate, not a promise.

Is it really free?

Yes. The calculator is free with no sign-up, like every EasyLife tool that runs in your browser. You only enter an email if you want the PDF plan and the free Debt Freedom Starter Kit.

Does it work on my phone?

Yes. It runs in any modern browser on phone, tablet or computer.

A worked example

Maya has two cards: a $2,800 Visa at 24.99% APR (minimum $70) and a $900 store card at 19.99% (minimum $25). She can free up an extra $75 a month.

Minimums only — debt-free in
6 yr 5 mo
Minimums only — total interest
$3,559
With $75 extra — debt-free in
2 yr 5 mo
With $75 extra — total interest
$1,160

The same $75 that disappears into a few takeout orders ends Maya's debt four years sooner and keeps about $2,400 of interest in her pocket — attacking the 24.99% card first.

A worked example with realistic numbers — not a customer story. Run your own above.

How this is calculated

  • Interest accrues monthly at APR ÷ 12 on each remaining balance.
  • Every minimum gets paid; your extra all goes to one target debt. When a debt clears, its payment rolls onto the next — your total monthly payment stays flat.
  • Snowball targets the smallest balance first; avalanche targets the highest APR first. The simulation runs month by month until every balance reaches zero.
  • The engine was verified against 4,000 randomized test cases with zero deviations.
  • This assumes your APRs and minimums stay constant — real cards sometimes reprice, so check your statements.
Mathias, founder of EasyLifeMathias · Founder of EasyLifeResearched with AI, reviewed and approved by a human

Last reviewed: August 2026

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