To clear $20,000 of credit card debt in 4 years at 22.99% APR, you'll pay about $641 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 $1,318 and finish 5 months sooner.
Save $2,337 and finish 9 months sooner.
Save $4,364 and finish 1 year, 6 months sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $641.00 | $383.17 | $19,742 |
| 2 | $641.00 | $378.23 | $19,479 |
| 3 | $641.00 | $373.19 | $19,212 |
| 4 | $641.00 | $368.06 | $18,939 |
| 5 | $641.00 | $362.83 | $18,660 |
| 6 | $641.00 | $357.50 | $18,377 |
| 7 | $641.00 | $352.07 | $18,088 |
| 8 | $641.00 | $346.54 | $17,794 |
| 9 | $641.00 | $340.90 | $17,493 |
| 10 | $641.00 | $335.15 | $17,188 |
| 11 | $641.00 | $329.29 | $16,876 |
| 12 | $641.00 | $323.31 | $16,558 |
Totals: you'll pay $30,762 over the life of the plan, including $10,762 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: