Use the statement rate
Enter the APR shown on the latest statement. Promotional, variable, and penalty rates can change.
Cited Cents utility
A payoff date is more useful than a minimum payment.
Map one debt at a time. See how long it may take, what interest costs, and whether a small extra payment earns its keep.
Calculate your pathPrivate by design
Start with the numbers you have.
Nothing is saved or sent. Adjust any field to see a new scenario.
Your payoff map
With your current payment3 yrs 6 moEstimated payoff: March 2030
Interest paid$3,848
With the extra payment2 yrs 9 mo
What the extra $50/mo changes9 fewer months · $820 less interest
Estimate only. It assumes a fixed rate, no new charges, and payments made monthly. Card issuers may calculate interest differently and fees can change the result.
Use it well
Make the next move, not a perfect plan.
Try an extra amount you can repeat
A smaller payment that fits an ordinary month is more useful than an ambitious number you will need to undo.
Protect the minimum first
Keep every required payment current. This tool is a scenario, not a substitute for your issuer's terms or payment warning.
What this tool can and cannot do
This tool is an educational scenario calculator and not a recommendation service. It does not store account data and does not substitute for creditor terms or professional review.
Actionable value requirement
The output is intended to inform a repayment decision by showing tradeoffs across time, interest cost, and required minimum obligations.