Add your balances, APRs, minimums, and extra monthly payment to build your payoff baseline.
Step 1
Add your debts and monthly budget.
Enter balances, APRs, and minimums, then add any extra payment you can contribute each month.
APR cost context
Current interest burden snapshot
18.00% weighted APR across 1 debt (1 other debt). Estimated yearly interest at today’s balances is about $450.00.
Weighted APR 18.00% · Estimated annual interest $450.00
Each 1.00 APR point equals about $25.00 per year at your current balance.
Use this to estimate how costly your current APR mix is each year.
Your debts
Build your stack
Add each revolving or installment debt you want to eliminate. We’ll keep everything on this device only.
Promotional rate
We’ll automatically revert to the standard APR once the promotional window ends.
At a glance
- Total balance: $2,500.00
- Minimums due monthly: $75.00
- Average APR: 18.0%
How we calculate
- We apply minimum payments to every balance, accrue interest monthly, and roll any extra dollars into the highest priority debt for your selected strategy.
- Once a balance hits zero, its minimum payment boosts your payoff budget starting the very next month, so momentum keeps building.
- Promotional APRs are honored for the remaining months you specify before switching back to the standard rate.