To clear $15,000 of credit card debt in 2 years at 22.99% APR, you'll pay about $786 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 $293 and finish 1 month sooner.
Save $542 and finish 3 months sooner.
Save $1,113 and finish 6 months sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $786.00 | $287.38 | $14,501 |
| 2 | $786.00 | $277.82 | $13,993 |
| 3 | $786.00 | $268.09 | $13,475 |
| 4 | $786.00 | $258.16 | $12,947 |
| 5 | $786.00 | $248.05 | $12,410 |
| 6 | $786.00 | $237.75 | $11,861 |
| 7 | $786.00 | $227.24 | $11,302 |
| 8 | $786.00 | $216.54 | $10,733 |
| 9 | $786.00 | $205.63 | $10,153 |
| 10 | $786.00 | $194.51 | $9,561 |
| 11 | $786.00 | $183.18 | $8,958 |
| 12 | $786.00 | $171.63 | $8,344 |
Totals: you'll pay $18,850 over the life of the plan, including $3,850 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: