Terms of Service

Last updated: October 2026

The following terms apply to carddebtcalc.com (the "Site"). Acceptance is implied by use, so if they are not acceptable to you, please stop using the Site.

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 does

This Site is a free, browser-based credit card payoff calculator. Its output is produced from your input using the stated method and is provided for information and education, not as advice. Money results rest on assumptions about rates, contributions and taxes that will not hold precisely, and are illustrations rather than advice.

No professional relationship

Nothing on the Site creates a professional relationship of any kind. You are responsible for how you use any result.

Liability

So far as the law allows, we accept no liability for indirect or consequential losses, nor for any choice made in reliance on an output from the Site.

Which law applies

These terms are subject to the laws of the Site operator's jurisdiction, and conflict-of-law provisions do not override that.

Money-related limitations

Anything money-related rests on simplified assumptions and is provided for illustration. It is not advice, it will not match reality exactly, and a licensed adviser should be consulted before a decision is taken on it.

Errors and completeness

We aim to be correct and to say how the result is produced. That is not a warranty: results may contain mistakes and the material may fall out of date. Treat any figure with a known margin as an estimate.

Permitted and prohibited use

Personal and professional use is fine. What is not: disrupting the Site, scraping it hard enough to slow it for others, passing it off as your own, or using it unlawfully.

Copyright and ownership

Unless credited otherwise, the Site's design, writing and code are ours or used under license. Linking to any page is welcome; copying large portions of the content needs our written consent.

Third-party content and advertising

Ads, served by outside networks, keep the Site free, and some pages link to third-party resources. We neither control nor vouch for external content. No advert affects any result.

Service availability

There is no promise of continuous availability: any tool or page may be altered or removed, and the service is supplied in its current state.

How to reach us

Write to us via the contact page with any question about these terms, or email support@carddebtcalc.com.