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What does the future look like?
Slide the extra-payment lever, switch strategies, watch the math update live. Numbers come from your real debts and APRs.
If you stick to this plan
Jun 2030
Debt-free in 48 months. Total interest you'll pay: $9,667.
Months saved vs minimum
13
vs paying only the minimums
Interest saved
$4,309
cumulative over the timeline
Extra monthly payment
$200
Strategy
Total balance over time
From $47,832 today
Minimums onlyWith extra
Now12mo24mo36mo48mo60mo
Per-debt payoff order
With $200/mo extra, Avalanche
1
Credit Card
22.9% APR · min $340/mo
$12,400
29 months
Nov 2028
2
Student Loan
6.8% APR · min $412/mo
$28,932
48 months
Jun 2030
3
Auto Loan
4.2% APR · min $268/mo
$6,500
26 months
Aug 2028