Money / ACTUALLY USEFUL
Credit card payoff & debt snowball
Compare minimum payments, a fixed payment and multiple-debt strategies.
YOUR NUMBERSResults update as you type
Fixed-payment payoff36months
Fixed-payment interest£2,122.71
Minimum-only payoff465 months
Minimum-only interest£20,686.38
Interest saved with fixed payment£18,563.67
View full schedule (36 rows)
| Month | Fixed payment | Interest | Principal | Remaining |
|---|---|---|---|---|
| 1 | £200.00 | £103.75 | £96.25 | £4,903.75 |
| 2 | £200.00 | £101.75 | £98.25 | £4,805.50 |
| 3 | £200.00 | £99.71 | £100.29 | £4,705.22 |
| 4 | £200.00 | £97.63 | £102.37 | £4,602.85 |
| 5 | £200.00 | £95.51 | £104.49 | £4,498.36 |
| 6 | £200.00 | £93.34 | £106.66 | £4,391.70 |
| 7 | £200.00 | £91.13 | £108.87 | £4,282.83 |
| 8 | £200.00 | £88.87 | £111.13 | £4,171.70 |
| 9 | £200.00 | £86.56 | £113.44 | £4,058.26 |
| 10 | £200.00 | £84.21 | £115.79 | £3,942.47 |
| 11 | £200.00 | £81.81 | £118.19 | £3,824.27 |
| 12 | £200.00 | £79.35 | £120.65 | £3,703.63 |
| 13 | £200.00 | £76.85 | £123.15 | £3,580.48 |
| 14 | £200.00 | £74.29 | £125.71 | £3,454.77 |
| 15 | £200.00 | £71.69 | £128.31 | £3,326.46 |
| 16 | £200.00 | £69.02 | £130.98 | £3,195.48 |
| 17 | £200.00 | £66.31 | £133.69 | £3,061.79 |
| 18 | £200.00 | £63.53 | £136.47 | £2,925.32 |
| 19 | £200.00 | £60.70 | £139.30 | £2,786.02 |
| 20 | £200.00 | £57.81 | £142.19 | £2,643.83 |
| 21 | £200.00 | £54.86 | £145.14 | £2,498.69 |
| 22 | £200.00 | £51.85 | £148.15 | £2,350.54 |
| 23 | £200.00 | £48.77 | £151.23 | £2,199.31 |
| 24 | £200.00 | £45.64 | £154.36 | £2,044.95 |
| 25 | £200.00 | £42.43 | £157.57 | £1,887.38 |
| 26 | £200.00 | £39.16 | £160.84 | £1,726.55 |
| 27 | £200.00 | £35.83 | £164.17 | £1,562.37 |
| 28 | £200.00 | £32.42 | £167.58 | £1,394.79 |
| 29 | £200.00 | £28.94 | £171.06 | £1,223.73 |
| 30 | £200.00 | £25.39 | £174.61 | £1,049.13 |
| 31 | £200.00 | £21.77 | £178.23 | £870.89 |
| 32 | £200.00 | £18.07 | £181.93 | £688.97 |
| 33 | £200.00 | £14.30 | £185.70 | £503.26 |
| 34 | £200.00 | £10.44 | £189.56 | £313.70 |
| 35 | £200.00 | £6.51 | £193.49 | £120.21 |
| 36 | £122.71 | £2.49 | £120.21 | £0.00 |
Method & assumptions
Monthly APR ÷ 12; no new borrowing or fees. Single-card minimum is the greater of your fixed floor and percentage of opening balance, capped at amount due; use your lender’s rule. Multiple-debt minimums are fixed amounts, and freed payments roll into the chosen target; lenders may calculate minimums differently.