Track utilization
Add credit limits so you can see utilization before and after a payoff plan — useful if you’re trying to free up room on a card.
Credit card payoff calculator
Minimum payments keep you stuck. DebtSelector shows interest burn and helps allocate extra money so high-APR cards don’t quietly win.
Attack the right balances
Use a tax refund, bonus, or extra payment scenario to decide which cards to wipe out first and what partial payment still helps.
Keep going monthly
After a lump sum, model a small extra monthly payment so momentum doesn’t stop when the refund is gone.
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Ready to run your numbers?
Free to start. Unlock the full report for $2.99 — access lasts 10 days on this device.