A step-by-step approach that focuses on interest, consistency, and real monthly progress.
Write down each card, its balance, APR, and minimum payment. This gives you a clear baseline and prevents surprises when you plan your payoff.
Avalanche targets the highest APR first to save the most interest. Snowball targets the smallest balance first to create fast wins. Pick the method you will actually follow.
Even a small extra payment each month can reduce interest and shorten the payoff timeline. Focus on consistency over huge spikes.
Calculate your payoff timelineIf your APR or minimums change, update your plan. Re-run the calculator after any major budget shift to keep the plan accurate.