To clear $15,000 of credit card debt in 1 year at 22.99% APR, you'll pay about $1,411 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 $67 and finish 1 month sooner.
Save $135 and finish 1 month sooner.
Save $306 and finish 2 months sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $1,411.00 | $287.38 | $13,876 |
| 2 | $1,411.00 | $265.85 | $12,731 |
| 3 | $1,411.00 | $243.91 | $11,564 |
| 4 | $1,411.00 | $221.55 | $10,375 |
| 5 | $1,411.00 | $198.76 | $9,162 |
| 6 | $1,411.00 | $175.54 | $7,927 |
| 7 | $1,411.00 | $151.87 | $6,668 |
| 8 | $1,411.00 | $127.74 | $5,385 |
| 9 | $1,411.00 | $103.16 | $4,077 |
| 10 | $1,411.00 | $78.10 | $2,744 |
| 11 | $1,411.00 | $52.57 | $1,385 |
| 12 | $1,411.00 | $26.54 | $1 |
Totals: you'll pay $16,933 over the life of the plan, including $1,933 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 $15k: