Credit card debt costs far more than the interest rate suggests.
Enter your balance and payment. See total interest, payoff time, and the wealth you sacrifice.
📐 Verified math
⚡ Instant results
🔒 No data stored
$0 Free
Your Parameters
Live
Your Debt
Your Profile
True Total Cost of This Debt
—
calculating…
💡
What This Really Means
Adjust the sliders to see your personalised analysis.
Full Breakdown
Monthly interest (minimum)
—
Payoff time
—
Total interest paid
—
Wealth comparison
—
Wealth lost to delay
—
True total cost
—
Common Questions
What is the avalanche method?
+
Pay minimums on all cards, throw every extra dollar at the highest-APR card first. Mathematically optimal — saves the most interest. See Tool 12 for a full comparison.
Should I pay off debt before investing?
+
Generally yes if the APR exceeds your expected investment return. Credit card debt at 20%+ APR is a guaranteed -20% return on every dollar that stays unpaid.
Download Your Full Report
Get your personalized analysis as a formatted PDF — your exact numbers, projections, and action steps.
Disclaimer: For educational purposes only. Not financial advice. Projections use historical averages and are not guaranteed. Individual results will vary. Consult a qualified financial advisor before making financial decisions.