To clear $25,000 of credit card debt in 3 years at 22.99% APR, you'll pay about $968 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 $719 and finish 2 months sooner.
Save $1,338 and finish 4 months sooner.
Save $2,759 and finish 9 months sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $968.00 | $478.96 | $24,511 |
| 2 | $968.00 | $469.59 | $24,013 |
| 3 | $968.00 | $460.04 | $23,505 |
| 4 | $968.00 | $450.31 | $22,987 |
| 5 | $968.00 | $440.39 | $22,459 |
| 6 | $968.00 | $430.28 | $21,922 |
| 7 | $968.00 | $419.98 | $21,374 |
| 8 | $968.00 | $409.48 | $20,815 |
| 9 | $968.00 | $398.78 | $20,246 |
| 10 | $968.00 | $387.88 | $19,666 |
| 11 | $968.00 | $376.76 | $19,074 |
| 12 | $968.00 | $365.43 | $18,472 |
Totals: you'll pay $34,828 over the life of the plan, including $9,828 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 $25k: