Roll-Down Your Credit Card Debt Calculator
Pay your highest-rate card first and roll the payment to the next.
What This Number Means
This payoff plan is only one part of the decision. Before you commit to it, consider:
How prioritizing your highest-rate card saves interest
How rolling payments to the next card speeds up payoff
How much faster this beats paying minimums on everything
How the payoff order changes your total interest paid
Whether this strategy fits your current cash flow
How to Use This Calculator
1
Enter your credit card balances: Input the balance, rate, and minimum payment for each card.
2
Set a total monthly payment amount: Enter the total you can put toward all cards combined.
3
Confirm the payoff order: Cards are ordered from highest to lowest interest rate.
4
Review your payoff plan: See how paying the highest-rate card first and rolling payments speeds up payoff.
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