Race your debt to zero

See how much faster you get to $0 — and how much interest you keep in your pocket — by paying a little extra each month.

What are you paying off?

The numbers

Current balance

APR

APR = Annual Percentage Rate. It's the yearly cost of borrowing, as a %. Find it on your statement or loan agreement.

How is your minimum payment set?

Minimum payment

% of balance

Recalculated each month as your balance drops.

Minimum payment floor

Most issuers guarantee at least this much, even if % of balance is lower. Check your card statement for the exact figure.

Extra payment per month (optional)

💵 This month's payment, up close

Minimum only $25 payment

Interest $6 To balance $19

Minimum + extra $35 payment

Interest $6 To balance $29

This is your very first payment based on what you entered. As your balance drops, more of each payment goes toward the balance and less toward interest.

🏁 Time to debt-free

Minimum payments only 2 years · $79 interest

🐢 🏁

Minimum + extra 1 year 4 months · $54 interest

🐿️ 🏁

Paying $10 extra a month gets you debt-free 8 months sooner and saves you $25 in interest.

Estimate only. Assumes a fixed interest rate, on-time payments every month, and no new charges added to the balance. Credit card minimum payments recalculated as a % of balance will shrink as your balance drops, which can meaningfully extend payoff time. Real payoff timelines depend on your issuer or lender's exact terms. This tool is for planning, not financial advice.

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