To clear $30,000 of credit card debt in 1 year at 22.99% APR, you'll pay about $2,822 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 $67 and finish 1 month sooner.
Save $135 and finish 1 month sooner.
Save $332 and finish 2 months sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $2,822.00 | $574.75 | $27,753 |
| 2 | $2,822.00 | $531.70 | $25,462 |
| 3 | $2,822.00 | $487.82 | $23,128 |
| 4 | $2,822.00 | $443.10 | $20,749 |
| 5 | $2,822.00 | $397.52 | $18,325 |
| 6 | $2,822.00 | $351.07 | $15,854 |
| 7 | $2,822.00 | $303.74 | $13,336 |
| 8 | $2,822.00 | $255.49 | $10,769 |
| 9 | $2,822.00 | $206.32 | $8,154 |
| 10 | $2,822.00 | $156.21 | $5,488 |
| 11 | $2,822.00 | $105.14 | $2,771 |
| 12 | $2,822.00 | $53.08 | $2 |
Totals: you'll pay $33,866 over the life of the plan, including $3,866 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 $30k: