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Free AI Debt Payoff Calculator
Enter your cards and loans to see which debt to pay first, the month each one is gone, and exactly what to pay every month. No signup, and the math runs in your browser.
Money on top of all the minimums. Enter 0 if there is none.
Highest APR first.
Your payoff plan
Pay Credit card first. You are debt-free in 28 months (Feb 2029) and pay $2,256.11 in interest.
Debt-free
Feb 2029
28 months
Total interest
$2,256.11
Total paid
$18,756.11
Balances $16,500.00 + interest
Monthly payment
$685.00
Minimums $485.00 + extra $200.00
Snowball vs avalanche for your debts
Snowball clears your first debt 14 months sooner (month 5 vs 19) and costs $154.68 more in interest than avalanche.
- avalanche (shown)
- Debt-free Feb 2029 · interest $2,256.11 · first debt gone in month 19
- snowball
- Debt-free Feb 2029 · interest $2,410.79 · first debt gone in month 5
Compared with minimum payments only (no extra, no rollover), this plan saves $2,814.48 in interest and 28 months. Minimums alone would finish in Jun 2031 with $5,070.59 in interest.
Payoff order
| # | Debt | Paid off | Interest |
|---|---|---|---|
| 1 | Credit card24.00% APR · $5,500.00 | May 2028 (month 19) | $1,110.67 |
| 2 | Personal loan9.90% APR · $1,200.00 | May 2028 (month 19) | $114.01 |
| 3 | Car loan7.00% APR · $9,800.00 | Feb 2029 (month 28) | $1,031.43 |
Month-by-month schedule
What to pay on each debt every month, with the balance left afterwards. No signup, nothing hidden.
Saving is optional. It keeps your debt names and amounts in this browser until you clear them, so skip it on a shared device.
Month 1 · Nov 2026
- Credit cardpay $365.00 · left $5,245.00
- Personal loanpay $60.00 · left $1,149.90
- Car loanpay $260.00 · left $9,597.17
Total $685.00 paid, $177.07 interest
Month 2 · Dec 2026
- Credit cardpay $365.00 · left $4,984.90
- Personal loanpay $60.00 · left $1,099.39
- Car loanpay $260.00 · left $9,393.15
Total $685.00 paid, $170.37 interest
Month 3 · Jan 2027
- Credit cardpay $365.00 · left $4,719.60
- Personal loanpay $60.00 · left $1,048.46
- Car loanpay $260.00 · left $9,187.94
Total $685.00 paid, $163.56 interest
Month 4 · Feb 2027
- Credit cardpay $365.00 · left $4,448.99
- Personal loanpay $60.00 · left $997.11
- Car loanpay $260.00 · left $8,981.54
Total $685.00 paid, $156.64 interest
Month 5 · Mar 2027
- Credit cardpay $365.00 · left $4,172.97
- Personal loanpay $60.00 · left $945.34
- Car loanpay $260.00 · left $8,773.93
Total $685.00 paid, $149.60 interest
Month 6 · Apr 2027
- Credit cardpay $365.00 · left $3,891.43
- Personal loanpay $60.00 · left $893.14
- Car loanpay $260.00 · left $8,565.11
Total $685.00 paid, $142.44 interest
Month 7 · May 2027
- Credit cardpay $365.00 · left $3,604.26
- Personal loanpay $60.00 · left $840.51
- Car loanpay $260.00 · left $8,355.07
Total $685.00 paid, $135.16 interest
Month 8 · Jun 2027
- Credit cardpay $365.00 · left $3,311.35
- Personal loanpay $60.00 · left $787.44
- Car loanpay $260.00 · left $8,143.81
Total $685.00 paid, $127.76 interest
Month 9 · Jul 2027
- Credit cardpay $365.00 · left $3,012.58
- Personal loanpay $60.00 · left $733.94
- Car loanpay $260.00 · left $7,931.32
Total $685.00 paid, $120.24 interest
Month 10 · Aug 2027
- Credit cardpay $365.00 · left $2,707.83
- Personal loanpay $60.00 · left $680.00
- Car loanpay $260.00 · left $7,717.59
Total $685.00 paid, $112.58 interest
Month 11 · Sep 2027
- Credit cardpay $365.00 · left $2,396.99
- Personal loanpay $60.00 · left $625.61
- Car loanpay $260.00 · left $7,502.61
Total $685.00 paid, $104.79 interest
Month 12 · Oct 2027
- Credit cardpay $365.00 · left $2,079.93
- Personal loanpay $60.00 · left $570.77
- Car loanpay $260.00 · left $7,286.38
Total $685.00 paid, $96.87 interest
| Month | Debt | Start balance | Interest | Payment | End balance |
|---|---|---|---|---|---|
| 1 · Nov 2026 | Credit card | $5,500.00 | $110.00 | $365.00 | $5,245.00 |
| Personal loan | $1,200.00 | $9.90 | $60.00 | $1,149.90 | |
| Car loan | $9,800.00 | $57.17 | $260.00 | $9,597.17 | |
| Month total | $177.07 | $685.00 | $15,992.07 | ||
| 2 · Dec 2026 | Credit card | $5,245.00 | $104.90 | $365.00 | $4,984.90 |
| Personal loan | $1,149.90 | $9.49 | $60.00 | $1,099.39 | |
| Car loan | $9,597.17 | $55.98 | $260.00 | $9,393.15 | |
| Month total | $170.37 | $685.00 | $15,477.44 | ||
| 3 · Jan 2027 | Credit card | $4,984.90 | $99.70 | $365.00 | $4,719.60 |
| Personal loan | $1,099.39 | $9.07 | $60.00 | $1,048.46 | |
| Car loan | $9,393.15 | $54.79 | $260.00 | $9,187.94 | |
| Month total | $163.56 | $685.00 | $14,956.00 | ||
| 4 · Feb 2027 | Credit card | $4,719.60 | $94.39 | $365.00 | $4,448.99 |
| Personal loan | $1,048.46 | $8.65 | $60.00 | $997.11 | |
| Car loan | $9,187.94 | $53.60 | $260.00 | $8,981.54 | |
| Month total | $156.64 | $685.00 | $14,427.64 | ||
| 5 · Mar 2027 | Credit card | $4,448.99 | $88.98 | $365.00 | $4,172.97 |
| Personal loan | $997.11 | $8.23 | $60.00 | $945.34 | |
| Car loan | $8,981.54 | $52.39 | $260.00 | $8,773.93 | |
| Month total | $149.60 | $685.00 | $13,892.24 | ||
| 6 · Apr 2027 | Credit card | $4,172.97 | $83.46 | $365.00 | $3,891.43 |
| Personal loan | $945.34 | $7.80 | $60.00 | $893.14 | |
| Car loan | $8,773.93 | $51.18 | $260.00 | $8,565.11 | |
| Month total | $142.44 | $685.00 | $13,349.68 | ||
| 7 · May 2027 | Credit card | $3,891.43 | $77.83 | $365.00 | $3,604.26 |
| Personal loan | $893.14 | $7.37 | $60.00 | $840.51 | |
| Car loan | $8,565.11 | $49.96 | $260.00 | $8,355.07 | |
| Month total | $135.16 | $685.00 | $12,799.84 | ||
| 8 · Jun 2027 | Credit card | $3,604.26 | $72.09 | $365.00 | $3,311.35 |
| Personal loan | $840.51 | $6.93 | $60.00 | $787.44 | |
| Car loan | $8,355.07 | $48.74 | $260.00 | $8,143.81 | |
| Month total | $127.76 | $685.00 | $12,242.60 | ||
| 9 · Jul 2027 | Credit card | $3,311.35 | $66.23 | $365.00 | $3,012.58 |
| Personal loan | $787.44 | $6.50 | $60.00 | $733.94 | |
| Car loan | $8,143.81 | $47.51 | $260.00 | $7,931.32 | |
| Month total | $120.24 | $685.00 | $11,677.84 | ||
| 10 · Aug 2027 | Credit card | $3,012.58 | $60.25 | $365.00 | $2,707.83 |
| Personal loan | $733.94 | $6.06 | $60.00 | $680.00 | |
| Car loan | $7,931.32 | $46.27 | $260.00 | $7,717.59 | |
| Month total | $112.58 | $685.00 | $11,105.42 | ||
| 11 · Sep 2027 | Credit card | $2,707.83 | $54.16 | $365.00 | $2,396.99 |
| Personal loan | $680.00 | $5.61 | $60.00 | $625.61 | |
| Car loan | $7,717.59 | $45.02 | $260.00 | $7,502.61 | |
| Month total | $104.79 | $685.00 | $10,525.21 | ||
| 12 · Oct 2027 | Credit card | $2,396.99 | $47.94 | $365.00 | $2,079.93 |
| Personal loan | $625.61 | $5.16 | $60.00 | $570.77 | |
| Car loan | $7,502.61 | $43.77 | $260.00 | $7,286.38 | |
| Month total | $96.87 | $685.00 | $9,937.08 |
Optional: explain my plan with AI
The plan above is plain math and is complete without this. The AI only restates your numbers in a short paragraph. It is not financial advice.
Sends only totals (no debt names) to our server and Google (Gemini API) to write the summary.
MoneyCoach · Debt payoff plan
Avalanche (highest APR first) · first payment Nov 2026 · $685.00 a month · USD
Debts
| Debt | Balance | APR | Minimum |
|---|---|---|---|
| Credit card | $5,500.00 | 24.00% | $165.00 |
| Personal loan | $1,200.00 | 9.90% | $60.00 |
| Car loan | $9,800.00 | 7.00% | $260.00 |
Extra payment: 200.00 USD a month
Summary
Pay Credit card first. You are debt-free in 28 months (Feb 2029) and pay $2,256.11 in interest.
Snowball clears your first debt 14 months sooner (month 5 vs 19) and costs $154.68 more in interest than avalanche.
Payoff order
- Credit card: paid off May 2028, interest $1,110.67
- Personal loan: paid off May 2028, interest $114.01
- Car loan: paid off Feb 2029, interest $1,031.43
Schedule
| Month | Debt | Start | Interest | Payment | End |
|---|---|---|---|---|---|
| 1 · Nov 2026 | Credit card | $5,500.00 | $110.00 | $365.00 | $5,245.00 |
| Personal loan | $1,200.00 | $9.90 | $60.00 | $1,149.90 | |
| Car loan | $9,800.00 | $57.17 | $260.00 | $9,597.17 | |
| Month total | $177.07 | $685.00 | $15,992.07 | ||
| 2 · Dec 2026 | Credit card | $5,245.00 | $104.90 | $365.00 | $4,984.90 |
| Personal loan | $1,149.90 | $9.49 | $60.00 | $1,099.39 | |
| Car loan | $9,597.17 | $55.98 | $260.00 | $9,393.15 | |
| Month total | $170.37 | $685.00 | $15,477.44 | ||
| 3 · Jan 2027 | Credit card | $4,984.90 | $99.70 | $365.00 | $4,719.60 |
| Personal loan | $1,099.39 | $9.07 | $60.00 | $1,048.46 | |
| Car loan | $9,393.15 | $54.79 | $260.00 | $9,187.94 | |
| Month total | $163.56 | $685.00 | $14,956.00 | ||
| 4 · Feb 2027 | Credit card | $4,719.60 | $94.39 | $365.00 | $4,448.99 |
| Personal loan | $1,048.46 | $8.65 | $60.00 | $997.11 | |
| Car loan | $9,187.94 | $53.60 | $260.00 | $8,981.54 | |
| Month total | $156.64 | $685.00 | $14,427.64 | ||
| 5 · Mar 2027 | Credit card | $4,448.99 | $88.98 | $365.00 | $4,172.97 |
| Personal loan | $997.11 | $8.23 | $60.00 | $945.34 | |
| Car loan | $8,981.54 | $52.39 | $260.00 | $8,773.93 | |
| Month total | $149.60 | $685.00 | $13,892.24 | ||
| 6 · Apr 2027 | Credit card | $4,172.97 | $83.46 | $365.00 | $3,891.43 |
| Personal loan | $945.34 | $7.80 | $60.00 | $893.14 | |
| Car loan | $8,773.93 | $51.18 | $260.00 | $8,565.11 | |
| Month total | $142.44 | $685.00 | $13,349.68 | ||
| 7 · May 2027 | Credit card | $3,891.43 | $77.83 | $365.00 | $3,604.26 |
| Personal loan | $893.14 | $7.37 | $60.00 | $840.51 | |
| Car loan | $8,565.11 | $49.96 | $260.00 | $8,355.07 | |
| Month total | $135.16 | $685.00 | $12,799.84 | ||
| 8 · Jun 2027 | Credit card | $3,604.26 | $72.09 | $365.00 | $3,311.35 |
| Personal loan | $840.51 | $6.93 | $60.00 | $787.44 | |
| Car loan | $8,355.07 | $48.74 | $260.00 | $8,143.81 | |
| Month total | $127.76 | $685.00 | $12,242.60 | ||
| 9 · Jul 2027 | Credit card | $3,311.35 | $66.23 | $365.00 | $3,012.58 |
| Personal loan | $787.44 | $6.50 | $60.00 | $733.94 | |
| Car loan | $8,143.81 | $47.51 | $260.00 | $7,931.32 | |
| Month total | $120.24 | $685.00 | $11,677.84 | ||
| 10 · Aug 2027 | Credit card | $3,012.58 | $60.25 | $365.00 | $2,707.83 |
| Personal loan | $733.94 | $6.06 | $60.00 | $680.00 | |
| Car loan | $7,931.32 | $46.27 | $260.00 | $7,717.59 | |
| Month total | $112.58 | $685.00 | $11,105.42 | ||
| 11 · Sep 2027 | Credit card | $2,707.83 | $54.16 | $365.00 | $2,396.99 |
| Personal loan | $680.00 | $5.61 | $60.00 | $625.61 | |
| Car loan | $7,717.59 | $45.02 | $260.00 | $7,502.61 | |
| Month total | $104.79 | $685.00 | $10,525.21 | ||
| 12 · Oct 2027 | Credit card | $2,396.99 | $47.94 | $365.00 | $2,079.93 |
| Personal loan | $625.61 | $5.16 | $60.00 | $570.77 | |
| Car loan | $7,502.61 | $43.77 | $260.00 | $7,286.38 | |
| Month total | $96.87 | $685.00 | $9,937.08 | ||
| 13 · Nov 2027 | Credit card | $2,079.93 | $41.60 | $365.00 | $1,756.53 |
| Personal loan | $570.77 | $4.71 | $60.00 | $515.48 | |
| Car loan | $7,286.38 | $42.50 | $260.00 | $7,068.88 | |
| Month total | $88.81 | $685.00 | $9,340.89 | ||
| 14 · Dec 2027 | Credit card | $1,756.53 | $35.13 | $365.00 | $1,426.66 |
| Personal loan | $515.48 | $4.25 | $60.00 | $459.73 | |
| Car loan | $7,068.88 | $41.24 | $260.00 | $6,850.12 | |
| Month total | $80.62 | $685.00 | $8,736.51 | ||
| 15 · Jan 2028 | Credit card | $1,426.66 | $28.53 | $365.00 | $1,090.19 |
| Personal loan | $459.73 | $3.79 | $60.00 | $403.52 | |
| Car loan | $6,850.12 | $39.96 | $260.00 | $6,630.08 | |
| Month total | $72.28 | $685.00 | $8,123.79 | ||
| 16 · Feb 2028 | Credit card | $1,090.19 | $21.80 | $365.00 | $746.99 |
| Personal loan | $403.52 | $3.33 | $60.00 | $346.85 | |
| Car loan | $6,630.08 | $38.68 | $260.00 | $6,408.76 | |
| Month total | $63.81 | $685.00 | $7,502.60 | ||
| 17 · Mar 2028 | Credit card | $746.99 | $14.94 | $365.00 | $396.93 |
| Personal loan | $346.85 | $2.86 | $60.00 | $289.71 | |
| Car loan | $6,408.76 | $37.38 | $260.00 | $6,186.14 | |
| Month total | $55.18 | $685.00 | $6,872.78 | ||
| 18 · Apr 2028 | Credit card | $396.93 | $7.94 | $365.00 | $39.87 |
| Personal loan | $289.71 | $2.39 | $60.00 | $232.10 | |
| Car loan | $6,186.14 | $36.09 | $260.00 | $5,962.23 | |
| Month total | $46.42 | $685.00 | $6,234.20 | ||
| 19 · May 2028 | Credit card | $39.87 | $0.80 | $40.67 | $0.00 |
| Personal loan | $232.10 | $1.91 | $234.01 | $0.00 | |
| Car loan | $5,962.23 | $34.78 | $410.32 | $5,586.69 | |
| Month total | $37.49 | $685.00 | $5,586.69 | ||
| 20 · Jun 2028 | Car loan | $5,586.69 | $32.59 | $685.00 | $4,934.28 |
| Month total | $32.59 | $685.00 | $4,934.28 | ||
| 21 · Jul 2028 | Car loan | $4,934.28 | $28.78 | $685.00 | $4,278.06 |
| Month total | $28.78 | $685.00 | $4,278.06 | ||
| 22 · Aug 2028 | Car loan | $4,278.06 | $24.96 | $685.00 | $3,618.02 |
| Month total | $24.96 | $685.00 | $3,618.02 | ||
| 23 · Sep 2028 | Car loan | $3,618.02 | $21.11 | $685.00 | $2,954.13 |
| Month total | $21.11 | $685.00 | $2,954.13 | ||
| 24 · Oct 2028 | Car loan | $2,954.13 | $17.23 | $685.00 | $2,286.36 |
| Month total | $17.23 | $685.00 | $2,286.36 | ||
| 25 · Nov 2028 | Car loan | $2,286.36 | $13.34 | $685.00 | $1,614.70 |
| Month total | $13.34 | $685.00 | $1,614.70 | ||
| 26 · Dec 2028 | Car loan | $1,614.70 | $9.42 | $685.00 | $939.12 |
| Month total | $9.42 | $685.00 | $939.12 | ||
| 27 · Jan 2029 | Car loan | $939.12 | $5.48 | $685.00 | $259.60 |
| Month total | $5.48 | $685.00 | $259.60 | ||
| 28 · Feb 2029 | Car loan | $259.60 | $1.51 | $261.11 | $0.00 |
| Month total | $1.51 | $261.11 | $0.00 |
Interest is APR ÷ 12 on the balance, rounded to the cent, each month. Fixed rates and fixed minimums are assumed. Created in your browser; nothing on this sheet was sent to MoneyCoach. Informational tool, not financial advice. moneycoach.ai/free-tools/debt-payoff-calculator
Snowball vs avalanche: a worked example
Take three debts: a credit card ($5,500 at 24% APR, $165 minimum), a personal loan ($1,200 at 9.9%, $60 minimum) and a car loan ( $9,800 at 7%, $260 minimum). That is $16,500.00 in total. The minimums add up to $485.00, and you add $200 extra, so you pay $685.00 every month, starting in Nov 2026.
Avalanche pays the credit card first because it has the highest APR. In month 1 that means $365.00 to the card, $60.00 to the personal loan and $260.00 to the car loan. The card and the personal loan are both gone in month 19, the car loan in month 28 (Feb 2029). Total interest: $2,256.11.
Snowball pays the personal loan first because it has the smallest balance. It is gone in month 5 (Mar 2027). You are still debt-free in Feb 2029, but total interest is $2,410.79.
So for these debts, snowball costs $154.68 more and clears the first debt 14 months sooner. Both plans beat paying only the minimums, which would take 56 months (until Jun 2031) and cost $5,070.59 in interest. The avalanche plan saves $2,814.48 and 28 months against that.
How to choose. If the interest difference is small, pick the plan you will keep paying. Research on credit card repayment suggests that focusing on one account at a time can help people stay motivated (Harvard Business Review, 2016). That is a research finding, not a rule. If the difference is large, avalanche keeps more money in your pocket.
When payments don't cover the interest
If your total monthly payment is not more than the interest charged, the balance does not go down, so there is no debt-free date to show. For example, $5,000 at 24% APR builds $100.00 of interest a month. A $100.00 payment only covers that interest. The calculator tells you this, with the exact gap, instead of a made-up date.
- Call your creditors. Ask about hardship programs, a lower rate or a payment plan before you miss payments (FTC).
- Talk to a nonprofit credit counselor. Look for an accredited nonprofit, for example through the NFCC, or an agency on the U.S. Trustee Program's approved list.
- Watch for debt relief scams. Be careful with anyone who charges fees before they settle a debt or guarantees to make debt go away (FTC consumer alert), or who tells you to stop talking to your creditors (CFPB debt-free planning handout, page 2).
How we calculate
- All amounts are whole cents, so there are no floating-point rounding errors.
- Interest: each month, every unpaid balance gets balance × APR ÷ 12, rounded half-up to the cent. Real lenders often use a daily rate, so your statements can differ by a few cents to dollars.
- Monthly payment: the sum of all minimums plus your extra payment. It stays the same until the last debt is paid, so when a debt is gone its minimum rolls over to the next debt.
- Order: avalanche sorts by highest APR, then smallest balance, then the order you entered. Snowball sorts by smallest balance, then highest APR, then your order. The order is set once, at the start.
- Each month: add interest, pay every minimum (never more than the balance), then put what is left of the monthly payment on debts in priority order.
- Minimums-only comparison: each debt pays only its own minimum. There is no extra and no rollover.
- Start month: month 1 is the first payment month you choose. The plan stops at 600 months (50 years); a plan that is not done by then is shown as not paying off.
Limitations and privacy
The calculator assumes fixed APRs and fixed minimum payments, and no new charges, fees or promotional rates. Card minimums that change with the balance, balance transfers and one-off payments are not modelled. Current average card rates are in the Federal Reserve G.19 release, and your card statement or agreement shows your own rate. Your statement also shows your minimum payment and due date (CFPB, Know Before You Owe: Credit cards). Treat the result as an estimate and check it against your statements.
Where your numbers go. The calculation runs in your browser. Your debts are not uploaded unless you press “Explain my plan with AI”. That button sends only totals (strategy, total balance, total interest, months, payoff month, extra payment, number of debts, the interest and months saved versus minimum payments, and whether minimum payments alone would pay off every debt), never debt names, to our server and Google (Gemini API) to write the explanation. “Save on this device” keeps your debt names and amounts in this browser's local storage until you clear them. Nothing goes into the page address or cookies.
FAQ
How do I calculate my debt payoff?
List every debt with its balance, APR and minimum payment, and decide how much extra you can pay each month. Each month, interest is added at APR ÷ 12, every minimum is paid, and the rest of your payment goes to one target debt. When a debt is gone, its payment moves to the next one. The calculator repeats this until every balance is zero and shows the month each debt ends.
Which debt should I pay off first?
With the avalanche method you pay the highest-APR debt first, which keeps total interest lowest. With the snowball method you pay the smallest balance first, so the first debt disappears sooner. The calculator names the first debt for the strategy you pick and shows the full payoff order.
Snowball or avalanche: which saves more?
Avalanche usually costs less, but the gap depends on your debts. In our example ($16,500.00 across three debts, $685.00 a month), avalanche costs $2,256.11 in interest and snowball costs $2,410.79: $154.68 more, but snowball clears its first debt 14 months sooner. Enter your own debts to see your exact numbers.
Can I add several credit cards and loans?
Yes. You can add up to 10 debts: credit cards, personal loans, car loans, student loans or anything else with a balance, a fixed APR and a minimum payment.
How long will it take to pay off my debt?
It depends on your balances, rates and how much you pay in total each month. The calculator shows the month you become debt-free, the month each debt ends, and how much sooner you finish compared with paying only the minimums.
What if my payments don't cover the interest?
Then the balance never goes down and there is no debt-free date. The calculator says so instead of showing a date, and tells you how much more you would need to pay. Call your creditors about hardship options, or talk to a nonprofit credit counselor. Be careful with companies that charge fees up front to settle debt.
Is there an AI that creates a debt payoff plan?
The plan on this page is not made by AI. It is plain month-by-month math that gives the same answer every time. If you want, an optional AI button writes a short explanation of your totals. It does not change the plan, it never sees your debt names, and it is not financial advice.
Should I save money or pay off debt first?
A common approach is to keep a small emergency fund first so a surprise bill does not go on a credit card, then put extra money toward high-interest debt. Once the expensive balances are gone, send the same monthly amount to savings.
Want to build an emergency fund first? Try the emergency fund calculator. Looking for the money for an extra payment? The zero-based budget planner gives every dollar a job. For free counseling options and scam warning signs, see the CFPB debt-free planning handout.
Sources
- FTC: How To Get Out of Debt
- FTC consumer alert: Looking for debt relief? Here's how to avoid a scam (2026)
- CFPB: Planning to become debt free (handout, PDF)
- CFPB: Know Before You Owe: Credit cards
- Federal Reserve G.19 Consumer Credit release (credit card interest rates)
- U.S. Trustee Program: approved credit counseling agencies
- National Foundation for Credit Counseling (NFCC)
- Harvard Business Review (2016): Research: The Best Strategy for Paying Off Credit Card Debt
Last updated: October 25, 2026
Keep your debts in view
Add your cards and loans as accounts in MoneyCoach and set a goal for the debt you pay first. Your plan from this page stays yours: download the CSV or print it.
Related tools
- Paying off just one card? Use the credit card payoff calculator.
- Zero-based budget planner to find your extra payment.
- Emergency fund calculator for your safety buffer.
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Important Disclaimer
This tool is for educational and planning purposes only. It does not provide financial, tax, or legal advice. Results are estimates based on your inputs and may differ from real-world outcomes.