To clear $10,000 of credit card debt in 3 years at 22.99% APR, you'll pay about $387 per month. Adjust below to fit your budget.
Add each balance, its APR, and the monthly minimum (or let us estimate it). Everything is calculated in your browser — your numbers never leave your device.
The single biggest lever on your payoff date.
Avalanche: highest APR first — least interest paid.
Throwing a tax refund or bonus at your debt? Add it here to see how much faster it gets you to $0.
Same debts, same budget. Pick the one you'll actually stick with — tap a card to see its full schedule below.
Save $647 and finish 6 months sooner.
Save $1,105 and finish 10 months sooner.
Save $1,925 and finish 1 year, 6 months sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $387.00 | $191.58 | $9,805 |
| 2 | $387.00 | $187.84 | $9,605 |
| 3 | $387.00 | $184.02 | $9,402 |
| 4 | $387.00 | $180.14 | $9,196 |
| 5 | $387.00 | $176.17 | $8,985 |
| 6 | $387.00 | $172.13 | $8,770 |
| 7 | $387.00 | $168.02 | $8,551 |
| 8 | $387.00 | $163.82 | $8,328 |
| 9 | $387.00 | $159.55 | $8,100 |
| 10 | $387.00 | $155.19 | $7,868 |
| 11 | $387.00 | $150.75 | $7,632 |
| 12 | $387.00 | $146.22 | $7,391 |
Totals: you'll pay $13,934 over the life of the plan, including $3,934 in interest. Estimates only — actual minimums and interest vary by lender. See our methodology.
Lengthen the timeframe, lower your APR (balance transfer or consolidation), or if you have $10k+ you genuinely can't manage, compare your options in the calculator. Try other timeframes for $10k: