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Pick a monthly payment and see how long until you're free — or pick a timeline and see what payment you need.
Each month we add interest (APR ÷ 12 × balance) then subtract your payment. The loop ends when the balance reaches zero or after 50 years.
APRs are typically 18–30% and interest compounds monthly. A balance left in the wild can double every 3–4 years.
If you can pay off the full balance during a 0% promo, yes. Otherwise compare the transfer fee against the interest you'd save.
Enormously. Even an extra $50/month can cut years off the payoff.
Highest-rate first ('avalanche') saves the most interest. Snowball — smallest balance first — gives faster psychological wins.
Yes — call and ask. Cardholders with good payment history often get a lower APR just for asking.
Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated October 2026