To clear $5,000 of credit card debt in 1 year at 22.99% APR, you'll pay about $470 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 $65 and finish 2 months sooner.
Save $117 and finish 3 months sooner.
Save $227 and finish 5 months sooner.
| Month | Paid | Interest | Remaining balance |
|---|---|---|---|
| 1 | $470.00 | $95.79 | $4,626 |
| 2 | $470.00 | $88.62 | $4,244 |
| 3 | $470.00 | $81.32 | $3,856 |
| 4 | $470.00 | $73.87 | $3,460 |
| 5 | $470.00 | $66.28 | $3,056 |
| 6 | $470.00 | $58.55 | $2,644 |
| 7 | $470.00 | $50.66 | $2,225 |
| 8 | $470.00 | $42.63 | $1,798 |
| 9 | $470.00 | $34.44 | $1,362 |
| 10 | $470.00 | $26.10 | $918 |
| 11 | $470.00 | $17.59 | $466 |
| 12 | $470.00 | $8.92 | $5 |
Totals: you'll pay $5,645 over the life of the plan, including $645 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 $5k: