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Time to clear the card

Total3 yr 1 mo
Total interest paid
$2,383
Payoff with $100 extra
2 yr 0 mo
Interest saved by the extra
$1,078
Minimum payments only
13 yr 8 mo
Time to clear the card
3 yr 1 mo

Interest is charged on the balance every month, so every extra dollar shortens the term twice: once directly, once through the interest it avoids.

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Compare strategies with the debt payoff calculator

The debt snowball method directs additional money to the smallest balance while maintaining required payments on every other debt. After one balance is paid, its payment moves to the next balance. The debt avalanche instead targets the highest interest rate first. If all payments and rates remain the same, the avalanche generally minimizes interest, while the snowball organizes repayment around completing smaller balances sooner.

Enter each balance, annual interest rate, minimum payment, and any additional monthly amount. A credit card payoff calculator may produce different results if a card uses variable rates, daily interest, fees, or promotional terms. Confirm whether a loan payoff calculator assumes payments occur monthly and whether additional amounts are applied directly to principal. Continue making at least required payments on time, regardless of the payoff order selected.

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Sources and methodology

Federal brackets, standard deductions and FICA thresholds come from the IRS and the Social Security Administration for the 2026 tax year. State income tax rates, brackets, standard deductions and personal exemptions come from the Tax Foundation’s 2026 state individual income tax data. Property tax figures use average effective county rates. Results are educational estimates and exclude local taxes, credits and post-tax deductions.