To clear $15,000 of credit card debt in 4 years at 22.99% APR, you'll pay about $481 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 $1,263 and finish 6 months sooner.
Save $2,170 and finish 1 year sooner.
Save $3,824 and finish 1 year, 9 months sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $481.00 | $287.38 | $14,806 |
| 2 | $481.00 | $283.67 | $14,609 |
| 3 | $481.00 | $279.88 | $14,408 |
| 4 | $481.00 | $276.03 | $14,203 |
| 5 | $481.00 | $272.10 | $13,994 |
| 6 | $481.00 | $268.10 | $13,781 |
| 7 | $481.00 | $264.02 | $13,564 |
| 8 | $481.00 | $259.87 | $13,343 |
| 9 | $481.00 | $255.63 | $13,118 |
| 10 | $481.00 | $251.31 | $12,888 |
| 11 | $481.00 | $246.91 | $12,654 |
| 12 | $481.00 | $242.43 | $12,415 |
Totals: you'll pay $23,064 over the life of the plan, including $8,064 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: