To clear $15,000 of credit card debt in 3 years at 22.99% APR, you'll pay about $581 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 $686 and finish 3 months sooner.
Save $1,222 and finish 7 months sooner.
Save $2,309 and finish 1 year, 1 month sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $581.00 | $287.38 | $14,706 |
| 2 | $581.00 | $281.75 | $14,407 |
| 3 | $581.00 | $276.02 | $14,102 |
| 4 | $581.00 | $270.17 | $13,791 |
| 5 | $581.00 | $264.22 | $13,475 |
| 6 | $581.00 | $258.15 | $13,152 |
| 7 | $581.00 | $251.96 | $12,823 |
| 8 | $581.00 | $245.66 | $12,487 |
| 9 | $581.00 | $239.24 | $12,146 |
| 10 | $581.00 | $232.69 | $11,797 |
| 11 | $581.00 | $226.02 | $11,442 |
| 12 | $581.00 | $219.21 | $11,080 |
Totals: you'll pay $20,894 over the life of the plan, including $5,894 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 $15k: