Adjust the inputs below. Results update as you type.
Avalanche: pay minimums on all cards, put extra toward highest-APR card first—mathematically optimal. Snowball: pay off smallest balance first for motivation. Enter each card's balance, APR, and minimum payment. The total minimum payments set your floor; any extra accelerates payoff. Consolidation loans can lower the blended rate but extend the term—compare total interest.
Fixed payment each month on a declining balance (typical for cards or simple loans). APR is nominal; your issuer may calculate daily.