The Credit Card Budget Calculator helps estimate monthly payments, interest savings, and payoff timelines based on balance, APR, and spending limits. Compare minimum payments against custom budgets, identify interest-heavy months, and build a realistic plan to become debt-free faster.
1. Credit Profile
2. Battle Plan
Your Freedom Date
—
— Months to Payoff
Final Payment: $– 🎉
💥 Impact Analysis
Total Savings
$0
Versus paying minimums
Time Reclaimed
0 Mo
Life saved from debt
⚠️ The Reality Check
Next Payment
$0
Interest Burn
$0
0% of payment lost to interest
🔄 Victory Turn:
Month 1
Worst Month: Month 1 ($– Burned)
The Cost of Inaction
Bank Profits $0 from you
Confidence
0
Plan Health
90-Day Outlook
$0 Saved
Estimated interest (next 90 days)
Treading Water
0 Mo
Months where Int > 50%
The “Quit” Cost
+0 Years
If you revert to mins in 6mo
Access Advanced Visuals & Schedule ▼
Trajectory Analysis
Amortization Schedule (First 24 Months)
| Month | Payment | Principal | Interest | Remaining Bal |
|---|
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