馃挸 Debt Payoff Tracker
See every card at a glance, plan monthly payments, and track your path toward being debt-free. Changes save in this browser; bank syncing is not enabled.
Recommended next steps
Actionable guidance based on your cards, APRs and balances. Updates whenever you edit a card.
These are automatic, rule-based suggestions, not live AI or a bank connection. Estimates assume unchanged APRs, no new charges, and monthly interest approximated as APR 梅 12. Minimums of $0 may mean not entered, not that no payment is due.
Payoff calculator
Choose a card and payoff period to see the estimated monthly amount needed.
Estimated amortization
| Month | Payment | Interest | Remaining |
|---|
Debt avalanche order
Make minimum payments on all cards, then direct extra payments to the highest APR. Equal APRs are sorted by smaller balance.
| Priority | Card | Balance | Limit | Utilization | APR | Minimum |
|---|
Your credit cards
Review each balance, limit, available credit and APR. Edit a field to save changes automatically.
How calculations work
Uses a fixed monthly APR/12 rate, constant monthly payments and no new purchases. Credit card issuers often use daily balances, so actual payments and interest can vary. Your data is stored only in this browser's local storage. Export a backup before clearing browser data.
Income & monthly budget
Enter your take-home pay (after taxes) and how often you're paid. We'll convert it to an average monthly amount.
Bills, subscriptions & other debts
Add rent, car payments, insurance, utilities, subscriptions, groceries and other monthly costs. Weekly or yearly expenses are converted to monthly averages. Add due dates to see upcoming payments.
Upcoming bill due dates
Shows the next date for each bill you give a due date. Recurring monthly and yearly bills advance automatically; weekly and biweekly bills repeat from their anchor date.
What can go toward credit cards?
Credit card minimum payments are automatically included from your Credit Cards tab, so don't enter them again here. This is a planning estimate, not a live bank balance. Data stays in this browser.