See which card to pay first, and when the debt could disappear.

Add your cards, choose a payoff strategy, and compare how extra monthly payments could change your debt-free date, interest cost, and utilization milestones.

Your credit card debt

Enter the current information shown on each account.

Build your payoff plan

Your total monthly payoff budget equals all entered minimum payments plus the extra amount below.

Extra amount you can pay each month

Choose your primary strategy

Debt avalanche Targets the highest APR first to reduce estimated interest. Debt snowball Targets the smallest balance first for faster account payoffs. Utilization-first Targets cards closest to the next major utilization milestone.

This planner assumes your total monthly debt-payment budget stays consistent and that payments freed up from paid-off cards roll into the remaining balances.

Your personalized payoff roadmap

Here is your path forward.

Without the extra payment —

→

With your selected plan —

Compare a different payoff path

Could a lower fixed rate change these numbers?

Compare any loan offer against the numbers in your payoff roadmap before making a decision.

Balance-weighted card APR —

Projected card interest —

Projected payoff time —

Check My SoFi Rate Calculate My Break-Even Loan Rate

A lower monthly payment can improve cash flow, but a longer repayment term can increase the total amount repaid.

Affiliate disclosure: Cal may earn compensation if you use the SoFi link. A loan is not automatically cheaper than your current payoff plan.

How the strategies compare

Your payoff order

Order	Card	Starting balance	APR	Starting utilization	Estimated payoff	Estimated interest

First 12 months of your plan

Month	Payment	Interest	Ending balance	Overall utilization	Main target

Credit utilization milestones

How the utilization-first strategy works

It directs extra money toward the card that can reach the next major utilization milestone with the smallest payment, then recalculates the next target.

Why your actual results may differ

Interest can compound daily, minimum payments can change, purchases can continue, and issuer reporting dates vary. Use this as an educational estimate and verify account details directly.

Educational estimates only. This tool does not provide credit repair, legal, tax, or financial advice and does not guarantee a score change, approval, or payoff date. Continue making at least the required minimum payment by each due date.