To clear $20,000 of credit card debt in 3 years at 22.99% APR, you'll pay about $774 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 $709 and finish 4 months sooner.
Save $1,294 and finish 6 months sooner.
Save $2,576 and finish 1 year sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $774.00 | $383.17 | $19,609 |
| 2 | $774.00 | $375.68 | $19,211 |
| 3 | $774.00 | $368.05 | $18,805 |
| 4 | $774.00 | $360.27 | $18,391 |
| 5 | $774.00 | $352.34 | $17,970 |
| 6 | $774.00 | $344.27 | $17,540 |
| 7 | $774.00 | $336.03 | $17,102 |
| 8 | $774.00 | $327.64 | $16,655 |
| 9 | $774.00 | $319.09 | $16,201 |
| 10 | $774.00 | $310.38 | $15,737 |
| 11 | $774.00 | $301.49 | $15,264 |
| 12 | $774.00 | $292.44 | $14,783 |
Totals: you'll pay $27,869 over the life of the plan, including $7,869 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: