To clear $30,000 of credit card debt in 3 years at 22.99% APR, you'll pay about $1,161 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 $731 and finish 3 months sooner.
Save $1,374 and finish 4 months sooner.
Save $2,904 and finish 9 months sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $1,161.00 | $574.75 | $29,414 |
| 2 | $1,161.00 | $563.52 | $28,816 |
| 3 | $1,161.00 | $552.07 | $28,207 |
| 4 | $1,161.00 | $540.41 | $27,587 |
| 5 | $1,161.00 | $528.52 | $26,954 |
| 6 | $1,161.00 | $516.40 | $26,310 |
| 7 | $1,161.00 | $504.05 | $25,653 |
| 8 | $1,161.00 | $491.46 | $24,983 |
| 9 | $1,161.00 | $478.64 | $24,301 |
| 10 | $1,161.00 | $465.56 | $23,605 |
| 11 | $1,161.00 | $452.24 | $22,897 |
| 12 | $1,161.00 | $438.66 | $22,174 |
Totals: you'll pay $41,803 over the life of the plan, including $11,803 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: