To clear $5,000 of credit card debt in 2 years at 22.99% APR, you'll pay about $262 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 $253 and finish 4 months sooner.
Save $420 and finish 7 months sooner.
Save $694 and finish 1 year, 1 month sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $262.00 | $95.79 | $4,834 |
| 2 | $262.00 | $92.61 | $4,664 |
| 3 | $262.00 | $89.36 | $4,492 |
| 4 | $262.00 | $86.05 | $4,316 |
| 5 | $262.00 | $82.68 | $4,137 |
| 6 | $262.00 | $79.25 | $3,954 |
| 7 | $262.00 | $75.75 | $3,768 |
| 8 | $262.00 | $72.18 | $3,578 |
| 9 | $262.00 | $68.54 | $3,384 |
| 10 | $262.00 | $64.84 | $3,187 |
| 11 | $262.00 | $61.06 | $2,986 |
| 12 | $262.00 | $57.21 | $2,781 |
Totals: you'll pay $6,283 over the life of the plan, including $1,283 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 $5k: