Avalanche
Targets the highest APR card first. It usually saves the most interest.
U.S. credit card payoff calculator
Find the cleanest path out of card debt.
Compare avalanche and snowball payoff plans, account for 0% APR promo windows, and see a statement-style minimum payment warning without signing up.
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Plan builder
Your cards
Add each U.S. credit card using the balance, APR, and minimum payment shown on your latest statement.
Your cards and settings are saved only in this browser on this device. Nothing is uploaded or shared.
| Card | Balance | APR | Min | Promo |
|---|
Side-by-side
Avalanche vs. snowball
Avalanche interest
$0
Avalanche timeline
0 months
Snowball interest
$0
Snowball timeline
0 months
Month-by-month
Payoff schedule
Interest is calculated monthly from APR. Results are estimates, not a substitute for your issuer statement.
| Month | Payment | Interest | Remaining balance | Target card |
|---|
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Quick guide
Built for practical payoff decisions
Snowball
Targets the smallest balance first. It can create faster visible wins.
0% APR promo
Promo APR is used until its month window ends, then regular APR takes over.
Balance transfer
The optional fee estimate shows what a transfer would add upfront.
Statement balance
Americans usually avoid purchase interest by paying the full statement balance by the due date.
Minimum warning
U.S. statements show how costly minimum-only payments can be and compare a 36-month payoff.
Issuer differences
Minimum formulas vary. Use your actual statement minimum when you need the closest estimate.
Promo balance limits
This planner treats each card as one balance. Issuers may allocate payments differently inside one account.
FAQ
Common payoff questions
Short answers for everyday U.S. credit card payoff planning.
Should I use avalanche or snowball?
Avalanche usually lowers interest by targeting the highest APR first. Snowball may feel easier because it clears smaller balances sooner.
Why does 0% APR still need a payoff plan?
A 0% APR period can end before the balance is gone. Planning the monthly payment helps avoid interest after the promotional window closes.
Is the minimum payment formula exact?
No. Issuers use different formulas. Use the statement minimum option when you want the estimate to follow your latest bill more closely.
Does this affect my credit score?
The calculator does not predict credit scores. Lower balances may help utilization, but actual scoring depends on your full credit profile.
About
About Neon Payoff Planner
Neon Payoff Planner is a browser-based calculator for comparing practical credit card payoff paths. It focuses on clarity, privacy, and simple month-by-month estimates instead of account signups or lead forms.
Contact
Contact
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Privacy policy
Privacy Policy
This policy explains how this website handles data entered into the credit card payoff calculator.
Local storage
Card details, payoff budget, balance transfer fee, and strategy settings are saved in this browser's localStorage. The data stays on this device and this browser.
No data upload
This is a static website with no account system, database, or backend server. Calculations run in your browser, and your credit card inputs are not uploaded, sold, or shared.
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Clear data
You can click the Clear saved data button on the page to remove data saved on this device. You can also clear this website's local storage and cookies through your browser settings.
Disclaimer
Disclaimer
Please understand these limits before using this tool.
Educational estimate only
Payoff months, interest, minimum payment warnings, and 36-month payoff estimates are for education and planning only. They are not financial, legal, tax, or credit advice.
Issuer statement controls
Different card issuers may use different minimum payment, interest, fee, and payment allocation rules. Actual amounts should be verified against your card statement, cardholder agreement, and issuer disclosures.
No guarantee
This website tries to estimate using common U.S. credit card rules, but it does not guarantee that results are fully accurate, complete, or suitable for every account. You should verify important financial decisions yourself.
No liability
This website is not responsible for losses, fees, interest, penalties, or other consequences from using or relying on this tool's results.