Disclaimer

Last updated: October 2026

CardDebtCalc is a credit card payoff calculator that compares the debt snowball and avalanche repayment methods and shows the monthly payment, total interest and payoff date for each. It simulates month by month, accruing interest at the annual rate divided by twelve and applying your payment to the priority balance — smallest first for snowball, highest-rate first for avalanche — until every balance clears. Everything below concerns that specific calculation and the values it involves, and nothing beyond it.

Everything the tool works with — your card balances, interest rates and monthly payment — is handled locally. It is usually reached for things like picking a monthly payment that clears the debt by a target date, and because nothing is transmitted a visitor can close the tab knowing no copy was made anywhere.

What this site is — and is not

carddebtcalc.com is an informational site. What CardDebtCalc produces are estimates of a calculation, not measured facts and not professional guidance.

Financial estimates

Money tools such as these assume rates stay fixed, contributions never vary, and fees and inflation are ignored unless the page says otherwise — none of which holds exactly in practice. The outputs from CardDebtCalc are illustrations, not forecasts, and should not be the only input to a financial decision.

Advertising

The Site is funded by advertising. No advertiser has any say over a result, and no ad should be read as an endorsement.

No warranty

For CardDebtCalc specifically, the operative assumption is that your input fits the case the tool is built for. It simulates month by month, accruing interest at the annual rate divided by twelve and applying your payment to the priority balance — smallest first for snowball, highest-rate first for avalanche — until every balance clears. Outside that — and wherever rounding, unit handling or browser behavior intrudes — the Site offers no warranty of any kind; we take care over the method, but the result is what it is.

Third-party links

External links are offered for reference only. We neither control nor vouch for outside content or its accuracy.

Checking a result yourself

The final check is yours: make sure a result matches your situation before you rely on it. Found an error? The contact page is the fastest way to tell us.