💳 Your Credit Card Details
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Find out how long it will take to pay off your credit card debt and how much interest you will pay in total.
Credit card debt is expensive — the average APR is over 20%. The most effective payoff strategies are the avalanche method (pay minimums on all cards, put extra money toward the highest interest rate first) and the snowball method (pay minimums on all cards, put extra toward the smallest balance first for psychological momentum). The avalanche method saves more money; the snowball method keeps more people on track.
Even paying $50-100 more than the minimum each month can cut years off your payoff timeline and save thousands in interest. Use our calculator to see exactly how much faster you would pay off your balance with different payment amounts.