CardPayoff: Debt-Free Planner

CardPayoff shows how long it will take to clear a credit card balance and what it will cost in interest, so you can pick a payment plan that works. • Enter your balance, APR and planned monthly payment • Add an optional extra payment to see the interest and months it saves • Get payoff time, your debt-free month, total interest and total paid • See how much of your first payment goes to principal • Results update as you type, and payments too small to cover interest are flagged • Compare with paying only the minimum and see the extra interest and years; the minimum-payment rule is adjustable (the defaults are a common setup, so check your card agreement) • Pick a target from 1 to 600 months, or tap 12, 24, 36 or 60, and get the monthly payment needed to finish on time • Test a 0% balance transfer: add the fee, set the promo length and the APR afterwards, and see whether moving the balance saves money • See your balance curve and a principal-versus-interest chart of where each payment goes • Read the full schedule by year or by month, and share a summary of your result • Start from presets such as Starter, Budget stretch, Aggressive or High APR • Save payoff scenarios with notes and reload them to compare strategies