See how much interest you'll pay on your card balance, and how minimum payments trap you.
Everything runs in your browser — nothing is uploaded or stored on any server.
Type your current card balance and its annual percentage rate.
Enter how much you plan to pay each month — even just the minimum.
Instantly see how long payoff will take and how much interest you'll pay in total.
Save the numbers to help decide whether to increase your payment.
Built for real work — no subscriptions, no watermarks, no surprises.
No servers to wait on. Everything processes locally the moment you type.
Your data never leaves your device. Nothing is collected or transmitted.
Open the page and start using it. No account, no email, no onboarding.
The file you download is polished and ready to send — no extra formatting needed.
Desktop, tablet, or phone — the tool adapts to any screen with no app to install.
No trials, no paywalls, no hidden tiers. Free to use without limits, always.