About CardDebtCalc

CardDebtCalc is a free, privacy-first credit card payoff calculator built to help you see exactly how long your debt will take to clear and how to get there faster. We believe the path out of credit card debt should be visible, measurable, and entirely under your control.

What We Do

Our tools help you map the road ahead with concrete numbers rather than guesswork:

• Payoff time modeling — see how long your current plan takes, down to the month, and what it costs in interest.
• Snowball vs. avalanche comparison — stack the two most popular payoff strategies side by side and choose the one that fits your money and your motivation.
• Balance-transfer savings estimates — understand what a 0% APR offer really saves you once the transfer fee is accounted for.

Privacy First, Always

All calculations run locally in your browser. Your card balances, interest rates, and payment amounts are never uploaded, stored, or shared. Data never leaves your device — which means there is nothing to sell, leak, or track.

Who It Is For

Anyone carrying a credit card balance who wants a clear, honest picture of the payoff future — without entering their information into yet another database. CardDebtCalc is here to make the math simple so you can make decisions with clarity.