To clear $20,000 of credit card debt in 5 years at 22.99% APR, you'll pay about $564 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 $2,152 and finish 8 months sooner.
Save $3,696 and finish 1 year, 2 months sooner.
Save $6,514 and finish 2 years, 2 months sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $564.00 | $383.17 | $19,819 |
| 2 | $564.00 | $379.70 | $19,635 |
| 3 | $564.00 | $376.17 | $19,447 |
| 4 | $564.00 | $372.57 | $19,256 |
| 5 | $564.00 | $368.91 | $19,061 |
| 6 | $564.00 | $365.17 | $18,862 |
| 7 | $564.00 | $361.36 | $18,659 |
| 8 | $564.00 | $357.48 | $18,453 |
| 9 | $564.00 | $353.52 | $18,242 |
| 10 | $564.00 | $349.49 | $18,028 |
| 11 | $564.00 | $345.38 | $17,809 |
| 12 | $564.00 | $341.19 | $17,586 |
Totals: you'll pay $33,806 over the life of the plan, including $13,806 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: