Your credit card wants 30 more years. Give it 33 months.
Enter your cards. Pay-It-Off runs the math — avalanche vs. snowball, month by month — and prints your debt-free date. Everything happens in your browser. No account, no upload, no data broker.
List every card you're carrying
Grab the numbers from your latest statements. Nothing you type here is stored on any server — close the tab and it's gone unless you save it below.
Even $50 extra changes the math more than most people expect.
Avalanche saves the most interest. Snowball gives faster wins.
Where do I find these numbers?
- Balance — the "New balance" on page 1 of your latest statement, or your app's home screen.
- APR — on your statement under "Interest Charge Calculation," usually the last page. Use the Purchases APR.
- Minimum payment — in the payment box on page 1, labeled "Minimum payment due."
- Close enough is fine — you can refine the numbers anytime, and nothing here leaves your device.
The interest receipt
What your balances cost if you drift on minimums — versus what happens when you run the plan.
Total balance over time
Where does the extra payment come from?
Most people guess — and guessing is how balances grow. Enter your take-home pay and real monthly spending. In debt, Pay-It-Off shows what you can actually send at it — or exactly how deep the hole is. Debt-free, it shows what you can save or invest every month.
Where every dollar goes
What that surplus becomes
Illustration at a 7% average annual return, compounded monthly. Markets vary — this is math, not investment advice.
Your month-by-month ledger
Full plan unlockedEvery payment, every month, until the balance hits zero — plus the order your debts fall in and a credit-rebuilding checklist.
Unlock the full plan
The free receipt shows what you'll save. The full plan shows exactly how — one payment at a time, until zero.
- Complete month-by-month payment ledger to $0
- Payoff order with the date each card dies
- Credit-rebuilding checklist (score-safe order of operations)
- Print / save the whole plan as a PDF
- Plan + Budget: income & budget breakdown that finds your extra payment for you