To clear $15,000 of credit card debt in 5 years at 22.99% APR, you'll pay about $423 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 $2,040 and finish 10 months sooner.
Save $3,380 and finish 1 year, 5 months sooner.
Save $5,604 and finish 2 years, 6 months sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $423.00 | $287.38 | $14,864 |
| 2 | $423.00 | $284.78 | $14,726 |
| 3 | $423.00 | $282.13 | $14,585 |
| 4 | $423.00 | $279.43 | $14,442 |
| 5 | $423.00 | $276.68 | $14,295 |
| 6 | $423.00 | $273.88 | $14,146 |
| 7 | $423.00 | $271.02 | $13,994 |
| 8 | $423.00 | $268.11 | $13,839 |
| 9 | $423.00 | $265.14 | $13,682 |
| 10 | $423.00 | $262.12 | $13,521 |
| 11 | $423.00 | $259.03 | $13,357 |
| 12 | $423.00 | $255.89 | $13,190 |
Totals: you'll pay $25,355 over the life of the plan, including $10,355 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: