To clear $25,000 of credit card debt in 4 years at 22.99% APR, you'll pay about $801 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 $1,354 and finish 5 months sooner.
Save $2,452 and finish 9 months sooner.
Save $4,771 and finish 1 year, 4 months sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $801.00 | $478.96 | $24,678 |
| 2 | $801.00 | $472.79 | $24,350 |
| 3 | $801.00 | $466.50 | $24,015 |
| 4 | $801.00 | $460.09 | $23,674 |
| 5 | $801.00 | $453.56 | $23,327 |
| 6 | $801.00 | $446.90 | $22,973 |
| 7 | $801.00 | $440.12 | $22,612 |
| 8 | $801.00 | $433.21 | $22,244 |
| 9 | $801.00 | $426.16 | $21,869 |
| 10 | $801.00 | $418.98 | $21,487 |
| 11 | $801.00 | $411.66 | $21,098 |
| 12 | $801.00 | $404.20 | $20,701 |
Totals: you'll pay $38,460 over the life of the plan, including $13,460 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: