To clear $25,000 of credit card debt in 1 year at 22.99% APR, you'll pay about $2,352 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.
Save $135.
Save $323 and finish 1 month sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $2,352.00 | $478.96 | $23,127 |
| 2 | $2,352.00 | $443.07 | $21,218 |
| 3 | $2,352.00 | $406.50 | $19,273 |
| 4 | $2,352.00 | $369.23 | $17,290 |
| 5 | $2,352.00 | $331.24 | $15,269 |
| 6 | $2,352.00 | $292.53 | $13,210 |
| 7 | $2,352.00 | $253.07 | $11,111 |
| 8 | $2,352.00 | $212.86 | $8,971 |
| 9 | $2,352.00 | $171.88 | $6,791 |
| 10 | $2,352.00 | $130.11 | $4,569 |
| 11 | $2,352.00 | $87.54 | $2,305 |
| 12 | $2,349.16 | $44.16 | $0 |
Totals: you'll pay $28,221 over the life of the plan, including $3,221 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 $25k: