Credit card payoff calculator
When are my cards at $0?
$18,000 at $540 a month and a 24.9% average APR: $12,937 in interest.
Debt-free in58 months
$540 · 58 moyour plan
Money check-up · free
Your whole money picture, in one look.
Enter your numbers once. Every answer below updates together, and nothing leaves this page.
Your numbers
Monthly debt payments are everything you pay toward debt each month, including rent or mortgage. The answers assume a 24.9% card APR, a 48-month consolidation loan at 12.5% with a 5% fee, and an 85% HELOC limit. Change any of these in the full calculators.
Debt-to-income calculator
How do lenders see my budget?
40%
$2,400 of $6,000 a month
Debt consolidation calculator
Would one loan beat my cards?
$6,763
less interest and fees
with a 48-month loan at 12.5% + 5% fee
Your cards cost $12,937 in interest. One loan costs $6,174 in interest and fees.
HELOC calculator
What could I borrow on my home?
$96,000
85% of a $450,000 home,
minus what you owe
You owe $286,500 on a $450,000 home.
Debt-free in 58 months. Debt-to-income 40%. One loan could save $6,763. HELOC up to $96,000.
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