To clear $30,000 of credit card debt in 4 years at 22.99% APR, you'll pay about $961 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 $1,380 and finish 4 months sooner.
Save $2,534 and finish 7 months sooner.
Save $5,086 and finish 1 year, 3 months sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $961.00 | $574.75 | $29,614 |
| 2 | $961.00 | $567.35 | $29,220 |
| 3 | $961.00 | $559.81 | $28,819 |
| 4 | $961.00 | $552.12 | $28,410 |
| 5 | $961.00 | $544.29 | $27,993 |
| 6 | $961.00 | $536.31 | $27,569 |
| 7 | $961.00 | $528.17 | $27,136 |
| 8 | $961.00 | $519.88 | $26,695 |
| 9 | $961.00 | $511.43 | $26,245 |
| 10 | $961.00 | $502.81 | $25,787 |
| 11 | $961.00 | $494.03 | $25,320 |
| 12 | $961.00 | $485.09 | $24,844 |
Totals: you'll pay $46,158 over the life of the plan, including $16,158 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: