To clear $20,000 of credit card debt in 1 year at 22.99% APR, you'll pay about $1,881 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 $68 and finish 1 month sooner.
Save $135 and finish 1 month sooner.
Save $315 and finish 2 months sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $1,881.00 | $383.17 | $18,502 |
| 2 | $1,881.00 | $354.47 | $16,976 |
| 3 | $1,881.00 | $325.22 | $15,420 |
| 4 | $1,881.00 | $295.42 | $13,834 |
| 5 | $1,881.00 | $265.04 | $12,218 |
| 6 | $1,881.00 | $234.08 | $10,571 |
| 7 | $1,881.00 | $202.53 | $8,893 |
| 8 | $1,881.00 | $170.37 | $7,182 |
| 9 | $1,881.00 | $137.60 | $5,439 |
| 10 | $1,881.00 | $104.20 | $3,662 |
| 11 | $1,881.00 | $70.16 | $1,851 |
| 12 | $1,881.00 | $35.47 | $6 |
Totals: you'll pay $22,578 over the life of the plan, including $2,578 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 $20k: