To clear $5,000 of credit card debt in 3 years at 22.99% APR, you'll pay about $194 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 $549 and finish 9 months sooner.
Save $851 and finish 1 year, 3 months sooner.
Save $1,273 and finish 1 year, 11 months sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $194.00 | $95.79 | $4,902 |
| 2 | $194.00 | $93.91 | $4,802 |
| 3 | $194.00 | $91.99 | $4,700 |
| 4 | $194.00 | $90.04 | $4,596 |
| 5 | $194.00 | $88.05 | $4,490 |
| 6 | $194.00 | $86.02 | $4,382 |
| 7 | $194.00 | $83.95 | $4,272 |
| 8 | $194.00 | $81.84 | $4,160 |
| 9 | $194.00 | $79.69 | $4,045 |
| 10 | $194.00 | $77.50 | $3,929 |
| 11 | $194.00 | $75.27 | $3,810 |
| 12 | $194.00 | $72.99 | $3,689 |
Totals: you'll pay $6,960 over the life of the plan, including $1,960 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: