About Neon Payoff Planner

Neon Payoff Planner exists for one reason: comparing credit card payoff strategies should not require an account, a lead form, or handing your balances to a marketing funnel. The site is a calculator plus a set of plain-language guides that explain the numbers behind payoff planning: APR, minimum payments, promotional periods, and balance transfer fees.

What the calculator does

• Compares the avalanche method (highest APR first) against the snowball method (smallest balance first) using your real inputs.
• Models 0% APR promotional windows, including the switch back to regular APR after the promo months run out.
• Estimates statement-style minimum payment warnings, including a 36-month payoff comparison similar to the disclosure on U.S. card statements.
• Adds an optional balance transfer fee estimate and exports a month-by-month schedule as CSV.

What it deliberately does not do

• It does not ask for your name, email, or any identifying information.
• It does not connect to card accounts, banks, or aggregators. There is nothing to link.
• It does not upload your inputs. Calculations run in your browser, and saved entries stay in your browser's local storage on your device.
• It does not sell, score, or match you with loans, settlement offers, or "debt relief" programs.

How the estimates work

The calculator applies your APR divided by 12 to each open balance every month. The default minimum payment model uses an issuer-style estimate: the greater of your statement minimum, a $35 floor, or 1% of the balance plus that month's interest. You can also switch to using the exact statement minimums you enter. These are planning estimates; issuers' real formulas and payment allocation rules vary. The full method is documented on the methodology section of the calculator page.

Our editorial approach

The guides on this site are written for practical decision-making. We prefer showing the arithmetic behind a recommendation over repeating vague rules of thumb. When a number depends on issuer-specific rules, we say so instead of pretending precision that does not exist. Content is educational only and is not financial, legal, tax, or credit advice. For decisions with real money at stake, your card agreement and issuer disclosures control.

Who runs the site

Neon Payoff Planner is an independent, self-funded project. It is not affiliated with, endorsed by, or connected to any card issuer, bank, or credit bureau. The site is supported by advertising so the calculator can stay free.

Contact

Corrections, feedback, and questions are welcome at support@yunjx.io or through the contact page.