Model up to five cards, compare avalanche versus snowball, test extra payments, and see how much interest the minimum-payment path can cost you.
Scenario boost: $0/month
You can add up to five cards. The calculator assumes interest compounds monthly and minimums stay fixed unless a balance is paid off sooner.
You'll pay $0 in interest if you only pay minimums.
Strategy selected: Avalanche
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Pair the calculator with payoff scripts, balance-transfer math, hardship call templates, relapse prevention guardrails, and a complete debt-elimination system.