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Credit Card Payoff Calculator

Optimize credit card debt payoff with balance transfer analysis, utilization impact, and escape the minimum payment trap

Debt Freedom Journey progress

Step 2 of 5

Card Balance ($) *

Interest Rate (% APR) *

Credit Limit ($) *

For utilization calculation

Minimum Payment (%)

Typically 2-3% of balance

Your Monthly Payment ($) *

Balance Transfer Offer Available?

Transfer Promo APR (%)

Often 0% for intro period

Transfer Fee (%)

Typically 3-5% of balance

Promo Period (months)