Estimate payoff months, total interest, total paid, and final payment from combined card balances, weighted APR, regular monthly payment, and extra monthly payment.
$8,500 at 21.5% with $450.00/mo
Real card payoff can change with average daily balance billing, separate APR tiers, payment allocation, fees, cash advances, balance transfers, deferred interest, grace-period rules, and new purchases.
Estimate payoff time after combining several card balances into one planning number.
Compare the regular payment with an extra monthly payment.
See total interest before choosing a debt payoff strategy.
Check whether the total payment is strong enough to reduce principal.
24 months, about $1,969.83 interest, about $10,469.83 total paid, final payment near $119.83
25 months, about $1,350.77 interest, about $7,350.77 total paid, final payment near $150.77
20 months, about $2,735.69 interest, about $14,735.69 total paid, final payment near $485.69
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Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.
Use it when you want to test the exact inputs on this page: Estimate payoff time after combining several card balances into one planning number. Compare the regular payment with an extra monthly payment. The result is a check against your assumptions, not proof that a lender, tax app, broker, platform, or provider will use the same number.
Combined balance means the total balance across the cards you want to treat as one payoff plan. Weighted APR means an average APR that gives more weight to cards with bigger balances. Regular monthly payment means the total payment you can send every month before any extra payoff money. Extra monthly payment means extra money added on top of the regular payment to speed up the payoff.
No. This combines your cards into one balance. A true snowball or avalanche plan needs each card balance, APR, minimum payment, and payoff order.
Weighted APR is an average rate that gives more influence to larger card balances. It is useful for a quick combined estimate, but it is not the same as each card statement.
In plain language: The calculator treats the cards as one combined balance, converts weighted APR to a monthly rate, adds monthly interest, subtracts regular plus extra payment, and repeats until the combined balance reaches zero. $8,500 at 21.5% weighted APR with a $350 regular payment plus $100 extra estimates 24 months, about $1,969.83 interest, about $10,469.83 total paid, and a final payment near $119.83.
Start with payoff months, then check total interest and total paid. If interest still looks high, test a bigger payment or separate the cards into an avalanche plan.
This is simplified combined-balance payoff math. It does not model average daily balance billing, separate APR tiers, payment allocation, cash advances, balance-transfer terms, deferred interest, fees, penalty APRs, minimum-payment changes, grace-period rules, or new purchases. Use card statements, card agreements, payoff tools from the issuer, or a nonprofit credit counselor for exact daily interest, payment allocation, hardship plans, and account-specific rules.
Check that the balance is the combined current balance, the APR is weighted, the payment is realistic, and new charges are not being added while you try to pay the cards down.
Real card issuers often calculate interest daily, may split balances by APR, and can add fees, cash advances, balance transfers, deferred interest, penalty APRs, or new purchases.
Yes, if payoff speed is the goal. New purchases can add interest, reduce or remove a grace period, and make the balance fall slower than the estimate.
No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.