💳 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.
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 ÷ 12. Minimums of $0 may mean not entered, not that no payment is due.
Choose a card and payoff period or enter a monthly payment.
Estimated amortization
| Payment month | Payment | Interest | Remaining |
|---|
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 |
|---|
Review each balance, limit, available credit and APR. Edit a field to save changes automatically.
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.
Enter your take-home pay (after taxes) and how often you're paid. We'll convert it to an average monthly amount.
Updates instantly when you edit any bill amount or frequency. One-time payments are excluded.
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.
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.
Credit card minimum payments are automatically included from your Credit Cards tab, so don't enter them again here. The top Bills entered total includes one-time payments regardless of due month; Recurring Expenses excludes them. This is a planning estimate, not a live bank balance. Data stays in this browser.