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Loading your credit card payoff plan...
Enter your cards below to see the real cost of minimum payments
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Interest wasted
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Total CC Debt
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All cards combined
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Interest Cost
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At minimums only
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You Save
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With extra payments
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Debt-Free Date
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With accelerated plan
🎯 Your Next Move
Add your credit cards below to get a personalized attack plan.
💳 Your Credit Cards
Enter each card — name, balance, APR (the yearly interest rate your card charges), and minimum payment
⚙️ Extra Payment
How much ABOVE all your minimums can you throw at credit cards each month?
📊 Minimum vs Accelerated
What happens when you stop paying just the minimum?
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Attack Strategy: Which Card First?
Highest APR first saves the most money. Lowest balance first gives the fastest wins.
📅 Payoff Timeline
When each card hits $0 — at minimums vs accelerated payments
📆 Monthly Payment Schedule
Exact dollar amounts — where every payment goes each month
Total Balance Over Time
Total Interest: Minimums vs Accelerated
Debt Composition by Card
Monthly Interest Burn Rate
Credit Card Payoff Report
Vault & Vessel Studio ·
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How To Use
See exactly what minimum payments are costing you — and build a plan to crush your credit card debt
🚀 Getting Started
1
Add Your Credit Cards
Enter each card's name, balance, APR (the yearly interest rate — find it on your statement), and minimum payment.
2
Set Your Extra Payment
How much above all minimums can you throw at debt? Even $50/month makes a shocking difference.
3
See the Brutal Truth
Compare minimum-only payments vs accelerated — see how many years and dollars you'll waste at minimums.
4
Pick Your Attack Strategy
Highest APR first (saves the most money) or lowest balance first (fastest wins). Use the schedule to see where every dollar goes.
📊 Terms Made Simple
APR (Annual Percentage Rate): The yearly interest your card charges. A 24% APR means ~2% added to your balance every month. Find it on your statement.
Minimum Payment: The smallest amount your card requires. Paying only this keeps you in debt for 15-25+ years on most cards.
Extra Payment: Any money above all your minimums combined. Goes directly to crushing your target card's balance.
Interest Saved: The total dollars you keep by paying off cards faster. Less time = less interest = more money in your pocket.
Payoff Date: The month you hit $0 balance. With extra payments, this date moves up dramatically — often by years.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not financial advice. Actual payoff may vary based on rate changes, fees, and payment timing. Consult a financial advisor for personalized guidance.