To clear $10,000 of credit card debt in 4 years at 22.99% APR, you'll pay about $320 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 $1,175 and finish 10 months sooner.
Save $1,916 and finish 1 year, 4 months sooner.
Save $3,091 and finish 2 years, 3 months sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $320.00 | $191.58 | $9,872 |
| 2 | $320.00 | $189.12 | $9,741 |
| 3 | $320.00 | $186.62 | $9,607 |
| 4 | $320.00 | $184.06 | $9,471 |
| 5 | $320.00 | $181.46 | $9,333 |
| 6 | $320.00 | $178.80 | $9,192 |
| 7 | $320.00 | $176.10 | $9,048 |
| 8 | $320.00 | $173.34 | $8,901 |
| 9 | $320.00 | $170.53 | $8,752 |
| 10 | $320.00 | $167.67 | $8,599 |
| 11 | $320.00 | $164.75 | $8,444 |
| 12 | $320.00 | $161.77 | $8,286 |
Totals: you'll pay $15,396 over the life of the plan, including $5,396 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 $10k: