{"id":6891,"date":"2026-09-15T22:28:36","date_gmt":"2026-09-15T22:28:36","guid":{"rendered":"https:\/\/www.beyondfinance.com\/blog\/?p=6891"},"modified":"2026-09-15T22:28:36","modified_gmt":"2026-09-15T22:28:36","slug":"debt-payoff-calculator","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/debt-payoff-calculator\/","title":{"rendered":"Debt Payoff Calculator: See Your Timeline and Total Cost"},"content":{"rendered":"\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How accurate is this calculator?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"It gives an estimate, not an exact figure. It uses standard amortization math, but real accounts can vary in how interest is applied, and your card's exact terms may differ from the numbers you enter. The more precise your inputs, the more accurate your result.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How does it calculate the minimum payment?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"You choose how the minimum is calculated: a percentage of your current balance (from 1% to 5%), or 1% or 2% plus that month's interest. Whichever you pick, it's recalculated each month as your balance drops, with a floor of $25. Your card's exact formula may differ.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Why is my payoff timeline so long?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Because when you pay only the minimum, most of each payment goes toward interest rather than the balance \u2014 and as the balance falls, the minimum falls too, so progress keeps slowing down. On a large balance this can stretch payoff out for decades.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Should I use the avalanche or snowball method?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Avalanche (paying highest-interest debt first) saves you the most money; snowball (paying smallest balance first) gives you quicker early wins that many people find motivating. The best one is the one you'll actually stick with \u2014 we compare them in detail in <a href=\\\"https:\/\/www.beyondfinance.com\/blog\/debt-avalanche-vs-snowball\/\\\">Avalanche vs. Snowball<\/a>.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What if I can't afford to pay more than the minimum?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"That's a real and common situation, and it doesn't mean you've done anything wrong \u2014 with high balances, the math is genuinely stacked against you. If your debt feels unmanageable no matter what you do, it may be worth looking into what options you have to get out of debt faster.\"\n      }\n    }\n  ]\n}\n<\/script>\n\n<div class=\"bf-debt-calc\">\n\n<style>\n.bf-debt-calc{max-width:700px;margin:0 auto;font-family:Mulish,sans-serif;color:#111}\n.bf-debt-calc h2{font-size:1.35rem;margin-top:2rem;margin-bottom:.75rem;display:flex;align-items:center;gap:.6rem}\n.bf-debt-calc h3{font-size:1.1rem;margin-top:1.5rem;margin-bottom:.5rem}\n.bf-dp-hero{position:relative;overflow:hidden;border-radius:.75rem;padding:1.35rem 1.5rem;margin-bottom:1.5rem;background:linear-gradient(135deg,#042954 0%,#0967d2 60%,#2cb1bc 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p{line-height:1.7;margin-bottom:1rem}\n.bf-dp-faq{margin-bottom:1rem;padding-bottom:1rem;border-bottom:1px solid #ececec}\n.bf-dp-faq summary{cursor:pointer;font-weight:700;font-size:1rem;display:flex;align-items:center;gap:.5rem;list-style:none}\n.bf-dp-faq summary::-webkit-details-marker{display:none}\n.bf-dp-faq summary::after{content:'+';margin-left:auto;font-weight:700;color:#0967d2;font-size:1.15rem;line-height:1}\n.bf-dp-faq[open] summary::after{content:'\\2013'}\n.bf-dp-faq p{margin-top:.5rem;margin-bottom:0;line-height:1.65;color:#3b3b3b}\n.bf-dp-footer-cta{margin-top:2rem;padding:1.5rem;border-radius:.75rem;background:#f0f9fa;border:1px solid #b8e4e8;border-left:4px solid #2cb1bc}\n.bf-dp-footer-cta h3{margin-top:0}\n.bf-reveal{animation:bfDpReveal .9s ease-out}\n@keyframes bfDpReveal{0%{box-shadow:0 0 0 0 rgba(9,103,210,.45);border-radius:8px}100%{box-shadow:0 0 0 14px rgba(9,103,210,0);border-radius:8px}}\n<\/style>\n\n  <div class=\"bf-dp-hero\">\n    <div class=\"bf-dp-hero-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><path d=\"M6 15h4\"\/><\/svg><\/div>\n    <span class=\"bf-dp-kicker\">Beyond Finance &middot; Financial Wellness Tools<\/span>\n  <\/div>\n\n  <p class=\"bf-dp-intro\">How long will it take to pay off your credit card debt? Enter your balance, interest rate, and monthly payment to see your estimated payoff timeline, what it&rsquo;ll cost in interest, and which payoff strategy gets you there faster.<\/p>\n\n  <div class=\"bf-dp-scope\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 8h.01\"\/><path d=\"M11 12h1v4h1\"\/><\/svg>\n    <div><strong>This calculator is built for credit cards and other revolving debt.<\/strong> Personal loans and other fixed-payment loans work differently.<\/div>\n  <\/div>\n\n  <div class=\"bf-dp-modes\" role=\"group\" aria-label=\"Calculator mode\">\n    <button type=\"button\" class=\"btn btn-primary bf-dp-mode-btn\" id=\"bf-mode-single-btn\" onclick=\"window.bfSetMode('single')\">Single card<\/button>\n    <button type=\"button\" class=\"btn btn-outline-primary bf-dp-mode-btn\" id=\"bf-mode-multi-btn\" onclick=\"window.bfSetMode('multi')\">Multiple cards<\/button>\n  <\/div>\n  <div id=\"bf-single-form\">\n    <div class=\"bf-dp-card\">\n      <div class=\"bf-dp-strip\"><span style=\"background:#0967d2\"><\/span><span style=\"background:#da127d\"><\/span><span style=\"background:#2cb1bc\"><\/span><\/div>\n\n      <div class=\"bf-dp-section bf-a-balance\">\n        <div class=\"bf-dp-group\">\n          <span class=\"bf-dp-chip bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span>\n          <strong>Start with the card itself.<\/strong>\n        <\/div>\n        <div class=\"row g-3\">\n          <div class=\"col-12 col-md-6\">\n            <label class=\"form-label\" for=\"bf-single-balance\"><span class=\"bf-dp-chip bf-dp-chip-sm bg-success text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><path d=\"M9.2 3h5.6l-1.3 2.6h-3z\"\/><path d=\"M10.5 5.6C6.8 7.2 4.2 10.3 4.2 13.8A6.8 6.8 0 0 0 11 20.6h2a6.8 6.8 0 0 0 6.8-6.8c0-3.5-2.6-6.6-6.3-8.2z\"\/><path d=\"M12 10v6\"\/><path d=\"M13.7 11.4h-2.1a1.3 1.3 0 0 0 0 2.6h1.1a1.3 1.3 0 0 1 0 2.6h-2.4\"\/><\/svg><\/span>Balance<\/label>\n            <div class=\"input-group\">\n              <span class=\"input-group-text\">$<\/span>\n              <input type=\"text\" inputmode=\"decimal\" class=\"form-control bf-money\" id=\"bf-single-balance\" placeholder=\"Enter balance\">\n            <\/div>\n            <div class=\"form-text\">Total balance on this credit card<\/div>\n          <\/div>\n          <div class=\"col-12 col-md-6\">\n            <label class=\"form-label\" for=\"bf-single-apr\"><span class=\"bf-dp-chip bf-dp-chip-sm bg-warning text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><path d=\"M19 5L5 19\"\/><circle cx=\"7.5\" cy=\"7.5\" r=\"2.5\"\/><circle cx=\"16.5\" cy=\"16.5\" r=\"2.5\"\/><\/svg><\/span>Interest rate (APR)<\/label>\n            <div class=\"input-group\">\n              <input type=\"text\" inputmode=\"decimal\" class=\"form-control\" id=\"bf-single-apr\" placeholder=\"Enter rate\">\n              <span class=\"input-group-text\">%<\/span>\n            <\/div>\n            <div class=\"form-text\">The interest rate on this card. Most are between 18% and 29%.<\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"bf-dp-section bf-a-pay\">\n        <div class=\"bf-dp-group\">\n          <span class=\"bf-dp-chip bg-secondary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><path d=\"M12 1v22\"\/><path d=\"M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6\"\/><\/svg><\/span>\n          <strong>How do you pay each month? <span class=\"fw-normal text-muted\">(fill in either one &mdash; or both, to compare them)<\/span><\/strong>\n        <\/div>\n        <div class=\"row g-3 align-items-start\">\n          <div class=\"col-12 col-md-5\">\n            <label class=\"form-label\" for=\"bf-single-payment\"><span class=\"bf-dp-chip bf-dp-chip-sm bg-success text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><rect x=\"2\" y=\"6\" width=\"20\" height=\"12\" rx=\"2\"\/><circle cx=\"12\" cy=\"12\" r=\"2.5\"\/><\/svg><\/span>I pay a set amount each month<\/label>\n            <div class=\"input-group\">\n              <span class=\"input-group-text\">$<\/span>\n              <input type=\"text\" inputmode=\"decimal\" class=\"form-control bf-money\" id=\"bf-single-payment\" placeholder=\"Enter amount\">\n            <\/div>\n            <div class=\"form-text\">At least $25, up to your balance.<\/div>\n          <\/div>\n          <div class=\"col-12 col-md-2 text-center pt-md-4\">\n            <span class=\"bf-dp-or\">and \/ or<\/span>\n          <\/div>\n          <div class=\"col-12 col-md-5\">\n            <label class=\"form-label\" for=\"bf-single-method\"><span class=\"bf-dp-chip bf-dp-chip-sm bg-tertiary text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><path d=\"M4 18h16\"\/><path d=\"M7 14l4-5 3 3 3-4\"\/><\/svg><\/span>I only pay the minimum<\/label>\n            <select class=\"form-select\" id=\"bf-single-method\"><\/select>\n            <div class=\"form-text\">How your card figures the minimum. Most cards use between 1% and 3%.<\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <div id=\"bf-single-error\" class=\"bf-dp-err\" style=\"display:none;\"><\/div>\n      <div class=\"mt-4\">\n        <button type=\"button\" class=\"btn btn-tertiary bf-dp-calc-btn\" onclick=\"window.bfCalculateSingle()\">Calculate my payoff<\/button>\n      <\/div>\n    <\/div>\n  <\/div>\n  <div id=\"bf-multi-form\" style=\"display:none;\">\n    <div class=\"bf-dp-card\">\n      <div class=\"bf-dp-strip\"><span style=\"background:#2cb1bc\"><\/span><span style=\"background:#0967d2\"><\/span><span style=\"background:#da127d\"><\/span><\/div>\n\n      <div id=\"bf-multi-callout\" class=\"bf-dp-scope\" style=\"display:none;\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 8h.01\"\/><path d=\"M11 12h1v4h1\"\/><\/svg>\n        <div>Enter each card&rsquo;s actual balance, APR, and payment details for the most accurate comparison. The closer these are to your real numbers, the more meaningful the avalanche vs. snowball results.<\/div>\n      <\/div>\n\n      <div class=\"bf-dp-section bf-a-total\">\n        <div class=\"bf-dp-group\">\n          <span class=\"bf-dp-chip bg-tertiary text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><path d=\"M12 1v22\"\/><path d=\"M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6\"\/><\/svg><\/span>\n          <strong>Start with what you can pay each month.<\/strong>\n        <\/div>\n        <label class=\"form-label\" for=\"bf-multi-total\">Total monthly payment <span class=\"fw-normal text-muted\">(optional)<\/span><\/label>\n        <div class=\"input-group\" style=\"max-width:220px;\">\n          <span class=\"input-group-text\">$<\/span>\n          <input type=\"text\" inputmode=\"decimal\" class=\"form-control bf-money\" id=\"bf-multi-total\" placeholder=\"Enter total\">\n        <\/div>\n        <div class=\"form-text\">The total you can put toward all these cards each month. Leave it blank to see what paying only the minimums looks like or if you want to specify how much you pay toward each card.<\/div>\n        <div id=\"bf-multi-warning\" class=\"bf-dp-warn\" style=\"display:none;\"><\/div>\n      <\/div>\n\n      <div class=\"bf-dp-section bf-a-balance\">\n        <div class=\"bf-dp-group\">\n          <span class=\"bf-dp-chip bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><rect x=\"2\" y=\"7\" width=\"16\" height=\"11\" rx=\"2\"\/><path d=\"M6 4h16v11\"\/><\/svg><\/span>\n          <strong>Then add your cards.<\/strong>\n        <\/div>\n        <div id=\"bf-cards-container\"><\/div>\n        <button type=\"button\" class=\"btn btn-outline-primary btn-sm mt-2\" onclick=\"window.bfAddCard()\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" viewBox=\"0 0 16 16\" style=\"vertical-align:-2px;\"><path d=\"M8 4a.5.5 0 0 1 .5.5v3h3a.5.5 0 0 1 0 1h-3v3a.5.5 0 0 1-1 0v-3h-3a.5.5 0 0 1 0-1h3v-3A.5.5 0 0 1 8 4\"\/><path d=\"M8 15A7 7 0 1 1 8 1a7 7 0 0 1 0 14m0 1A8 8 0 1 0 8 0a8 8 0 0 0 0 16\"\/><\/svg>\n          Add another card\n        <\/button>\n      <\/div>\n\n      <div id=\"bf-multi-error\" class=\"bf-dp-err\" style=\"display:none;\"><\/div>\n      <div class=\"mt-4\">\n        <button type=\"button\" class=\"btn btn-tertiary bf-dp-calc-btn\" onclick=\"window.bfCalculateMulti()\">Calculate<\/button>\n      <\/div>\n    <\/div>\n  <\/div>\n  <div id=\"bf-results-single\" class=\"mt-5\" style=\"display:none;\">\n    <div id=\"bf-single-normal-results\">\n      <div class=\"bf-dp-primary\">\n        <div class=\"bf-dp-primary-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><path d=\"M5 21V4\"\/><path d=\"M5 4h11l-1.5 4L16 12H5\"\/><\/svg><\/div>\n        <h2 id=\"bf-single-headline\"><\/h2>\n      <\/div>\n      <div class=\"bf-dp-stats\">\n        <div class=\"bf-dp-stat-col\">\n          <div class=\"bf-dp-stat\">\n            <div class=\"bf-dp-stat-label\">Total interest paid<\/div>\n            <div class=\"bf-dp-stat-value\" id=\"bf-single-stat-interest\"><\/div>\n          <\/div>\n        <\/div>\n        <div class=\"bf-dp-stat-col\">\n          <div class=\"bf-dp-stat\">\n            <div class=\"bf-dp-stat-label\">Total amount paid<\/div>\n            <div class=\"bf-dp-stat-value\" id=\"bf-single-stat-total\"><\/div>\n          <\/div>\n        <\/div>\n        <div class=\"bf-dp-stat-col\">\n          <div class=\"bf-dp-stat\">\n            <div class=\"bf-dp-stat-label\">Payoff date<\/div>\n            <div class=\"bf-dp-stat-value\" id=\"bf-single-stat-date\"><\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <div id=\"bf-single-compare-results\" style=\"display:none;\">\n      <h2><span class=\"bf-dp-chip bg-secondary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><path d=\"M12 4v16\"\/><path d=\"M4 8h16\"\/><path d=\"M7 8l-3 6h6z\"\/><path d=\"M17 8l-3 6h6z\"\/><\/svg><\/span>Here&rsquo;s how those two ways of paying compare.<\/h2>\n      <div class=\"table-responsive\">\n        <table class=\"table table-bordered align-middle\">\n          <thead>\n            <tr>\n              <th scope=\"col\"><\/th>\n              <th scope=\"col\" id=\"bf-cmp-head-set\"><\/th>\n              <th scope=\"col\">Paying only the minimum<\/th>\n            <\/tr>\n          <\/thead>\n          <tbody>\n            <tr>\n              <th scope=\"row\">Debt-free in<\/th>\n              <td id=\"bf-cmp-set-time\" class=\"bf-dp-strat-time\"><\/td>\n              <td id=\"bf-cmp-min-time\" class=\"bf-dp-strat-time\"><\/td>\n            <\/tr>\n            <tr>\n              <th scope=\"row\">Total interest<\/th>\n              <td id=\"bf-cmp-set-interest\"><\/td>\n              <td id=\"bf-cmp-min-interest\"><\/td>\n            <\/tr>\n            <tr>\n              <th scope=\"row\">Total amount paid<\/th>\n              <td id=\"bf-cmp-set-total\"><\/td>\n              <td id=\"bf-cmp-min-total\"><\/td>\n            <\/tr>\n            <tr>\n              <th scope=\"row\">Payoff date<\/th>\n              <td id=\"bf-cmp-set-date\"><\/td>\n              <td id=\"bf-cmp-min-date\"><\/td>\n            <\/tr>\n          <\/tbody>\n        <\/table>\n      <\/div>\n      <p id=\"bf-cmp-framing\" class=\"bf-dp-framing\"><\/p>\n    <\/div>\n    <div id=\"bf-single-never-results\" class=\"bf-dp-alert\" style=\"display:none;\"><\/div>\n  <\/div>\n  <div id=\"bf-results-multi-min\" class=\"mt-5\" style=\"display:none;\">\n    <div class=\"bf-dp-primary\">\n      <div class=\"bf-dp-primary-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><path d=\"M5 21V4\"\/><path d=\"M5 4h11l-1.5 4L16 12H5\"\/><\/svg><\/div>\n      <h2 id=\"bf-multi-min-headline\"><\/h2>\n    <\/div>\n    <div id=\"bf-multi-min-never\" class=\"bf-dp-alert\" style=\"display:none;\"><\/div>\n    <div class=\"bf-dp-stats\">\n        <div class=\"bf-dp-stat-col\">\n          <div class=\"bf-dp-stat\">\n            <div class=\"bf-dp-stat-label\">Total interest paid<\/div>\n            <div class=\"bf-dp-stat-value\" id=\"bf-multi-min-interest\"><\/div>\n          <\/div>\n        <\/div>\n        <div class=\"bf-dp-stat-col\">\n          <div class=\"bf-dp-stat\">\n            <div class=\"bf-dp-stat-label\">Total amount paid<\/div>\n            <div class=\"bf-dp-stat-value\" id=\"bf-multi-min-payout\"><\/div>\n          <\/div>\n        <\/div>\n        <div class=\"bf-dp-stat-col\">\n          <div class=\"bf-dp-stat\">\n            <div class=\"bf-dp-stat-label\">Payoff date<\/div>\n            <div class=\"bf-dp-stat-value\" id=\"bf-multi-min-date\"><\/div>\n          <\/div>\n        <\/div>\n    <\/div>\n  <\/div>\n  <div id=\"bf-results-multi\" class=\"mt-5\" style=\"display:none;\">\n    <h2><span class=\"bf-dp-chip bg-secondary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><path d=\"M12 4v16\"\/><path d=\"M4 8h16\"\/><path d=\"M7 8l-3 6h6z\"\/><path d=\"M17 8l-3 6h6z\"\/><\/svg><\/span>Here&rsquo;s how the two most common payoff strategies compare for your cards.<\/h2>\n    <div class=\"table-responsive mt-3\">\n      <table class=\"table table-bordered\">\n        <thead>\n          <tr>\n            <th scope=\"col\"><\/th>\n            <th scope=\"col\">Avalanche (highest rate first)<\/th>\n            <th scope=\"col\">Snowball (smallest balance first)<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr>\n            <th scope=\"row\">Debt-free in<\/th>\n            <td id=\"bf-multi-avalanche-time\" class=\"bf-dp-strat-time\"><\/td>\n            <td id=\"bf-multi-snowball-time\" class=\"bf-dp-strat-time\"><\/td>\n          <\/tr>\n          <tr>\n            <th scope=\"row\">Total interest<\/th>\n            <td id=\"bf-multi-avalanche-interest\"><\/td>\n            <td id=\"bf-multi-snowball-interest\"><\/td>\n          <\/tr>\n          <tr>\n            <th scope=\"row\">Total amount paid<\/th>\n            <td id=\"bf-multi-avalanche-payout\"><\/td>\n            <td id=\"bf-multi-snowball-payout\"><\/td>\n          <\/tr>\n          <tr>\n            <th scope=\"row\">Payoff date<\/th>\n            <td id=\"bf-multi-avalanche-date\"><\/td>\n            <td id=\"bf-multi-snowball-date\"><\/td>\n          <\/tr>\n          <tr>\n            <th scope=\"row\">How it plays out<\/th>\n            <td id=\"bf-multi-avalanche-plan\" class=\"bf-plan-cell\"><\/td>\n            <td id=\"bf-multi-snowball-plan\" class=\"bf-plan-cell\"><\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n    <p id=\"bf-multi-framing\" class=\"bf-dp-framing\"><\/p>\n  <\/div>\n  <div id=\"bf-results-multi-total\" class=\"mt-5\" style=\"display:none;\">\n    <div class=\"bf-dp-primary\">\n      <div class=\"bf-dp-primary-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><path d=\"M5 21V4\"\/><path d=\"M5 4h11l-1.5 4L16 12H5\"\/><\/svg><\/div>\n      <h2 id=\"bf-multi-total-headline\"><\/h2>\n    <\/div>\n    <div class=\"bf-dp-stats\">\n      <div class=\"bf-dp-stat-col\">\n        <div class=\"bf-dp-stat\">\n          <div class=\"bf-dp-stat-label\">Total interest paid<\/div>\n          <div class=\"bf-dp-stat-value\" id=\"bf-multi-total-interest\"><\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-dp-stat-col\">\n        <div class=\"bf-dp-stat\">\n          <div class=\"bf-dp-stat-label\">Total amount paid<\/div>\n          <div class=\"bf-dp-stat-value\" id=\"bf-multi-total-payout\"><\/div>\n        <\/div>\n      <\/div>\n      <div class=\"bf-dp-stat-col\">\n        <div class=\"bf-dp-stat\">\n          <div class=\"bf-dp-stat-label\">Payoff date<\/div>\n          <div class=\"bf-dp-stat-value\" id=\"bf-multi-total-date\"><\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <p class=\"form-text\">Add each card&rsquo;s APR to compare the avalanche and snowball payoff strategies.<\/p>\n  <\/div>\n  <div id=\"bf-cta-conditional\" class=\"bf-dp-cta\" style=\"display:none;\">\n    <div class=\"bf-dp-cta-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><circle cx=\"12\" cy=\"12\" r=\"4\"\/><path d=\"M5 5l4 4M19 5l-4 4M5 19l4-4M19 19l-4-4\"\/><\/svg><\/div>\n    <div>\n      <p class=\"mb-2\">Seeing a timeline in years &mdash; or decades? You&rsquo;re not stuck with it. If paying this off feels out of reach, it&rsquo;s worth seeing what options could get you there faster.<\/p>\n      <a href=\"https:\/\/www.beyondfinance.com\/free_evaluation\" class=\"btn btn-light\">See your options<\/a>\n    <\/div>\n  <\/div>\n  <div class=\"bf-dp-disclosure\">\n    <small>This calculator is for educational estimates only. It&rsquo;s based on the balance, interest rate, and payment details you enter. For a minimum-only payoff, the minimum is recalculated each month using the method you choose (never less than $25). Your actual rate, minimum payment, and payoff timeline will differ, and interest is estimated monthly, so results are approximate.<\/small>\n  <\/div>\n  <div class=\"bf-dp-below mt-5\">\n    <h2><span class=\"bf-dp-chip bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><path d=\"M4 5h9a3 3 0 0 1 3 3v11\"\/><path d=\"M20 5h-4a3 3 0 0 0-3 3v11\"\/><path d=\"M4 5v14h16V5\"\/><\/svg><\/span>How to use this calculator<\/h2>\n    <p>Start by entering the balance you want to pay off and the interest rate (APR) on that credit card. You&rsquo;ll find the APR on your monthly statement or in your account online &mdash; most cards fall between 18% and 29%.<\/p>\n    <p>Then choose how you pay: enter a set amount you pay each month to see your estimated payoff timeline, or pick a minimum-payment method to see how long payoff takes, and what it costs, when you pay just the minimum each month. You only need one of the two &mdash; but if you fill in both, we&rsquo;ll show you the two side by side.<\/p>\n    <p>Have more than one card? Switch to &ldquo;Multiple cards.&rdquo; Start with the total you can put toward all of them each month, then add each card&rsquo;s balance, APR, and minimum-payment method. Leave the total blank to see how long paying only the minimums would take &mdash; or enter a total to compare two payoff strategies, avalanche and snowball, side by side. If you pay a specific amount on one particular card, you can set that on the card itself.<\/p>\n\n    <h2><span class=\"bf-dp-chip bg-tertiary text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><path d=\"M3 6h7a2 2 0 0 1 2 2v11a2 2 0 0 0-2-2H3z\"\/><path d=\"M21 6h-7a2 2 0 0 0-2 2v11a2 2 0 0 1 2-2h7z\"\/><\/svg><\/span>How to read your results<\/h2>\n    <p>Your results show how long it will take to become debt-free, the date you&rsquo;d make that final payment, the total interest you&rsquo;ll pay along the way, and the total amount you&rsquo;ll pay overall (your original balance plus all that interest).<\/p>\n    <p>If your timeline looks longer than you expected, you&rsquo;re not imagining it. When you make a minimum payment that shrinks as your balance drops, most of each payment goes toward interest rather than the balance itself, which stretches the payoff out for years. We explain exactly why that happens in <a href=\"https:\/\/www.beyondfinance.com\/blog\/minimum-payment-trap\/\">The Minimum Payment Trap<\/a>.<\/p>\n    <p>If you filled in both a set monthly payment and a minimum-payment method for one card, you&rsquo;ll see those two compared side by side, with the difference in time and interest spelled out underneath.<\/p>\n    <p>If you entered multiple cards and a total monthly payment, you&rsquo;ll also see two payoff strategies compared side by side. They reach the finish line differently, and we break down which one tends to fit which kind of person in <a href=\"https:\/\/www.beyondfinance.com\/blog\/debt-avalanche-vs-snowball\/\">Avalanche vs. Snowball<\/a>. For each strategy you&rsquo;ll also see the order it pays your cards off in, and roughly when each one clears.<\/p>\n\n    <h2><span class=\"bf-dp-chip bg-secondary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><circle cx=\"12\" cy=\"12\" r=\"3\"\/><path d=\"M12 3v2M12 19v2M5 12H3M21 12h-2M6.3 6.3 4.9 4.9M19.1 19.1l-1.4-1.4M17.7 6.3l1.4-1.4M4.9 19.1l1.4-1.4\"\/><\/svg><\/span>How this calculator works<\/h2>\n    <p>Here&rsquo;s exactly how the calculator arrives at these numbers.<\/p>\n    <p><strong>The interest.<\/strong> Each month, we calculate interest on your current balance using your APR divided by 12. So a $10,000 balance at 24% APR accrues about $200 in interest that month ($10,000 &times; 24% &divide; 12). That interest is added before your payment is applied.<\/p>\n    <p><strong>The payment.<\/strong> If you tell us a set monthly payment, we use that figure every month. If you&rsquo;re looking at a minimum-only payoff instead, we use the minimum-payment method you select &mdash; a percentage of your current balance, or 1% or 2% plus that month&rsquo;s interest &mdash; with a floor of $25, recalculated every month as your balance falls. This is a big reason minimum-only payoff takes so long: as your balance drops, the required minimum drops right along with it, so less and less goes toward the principal each month.<\/p>\n    <p><strong>The payoff.<\/strong> Each month we subtract that month&rsquo;s interest from your payment; whatever&rsquo;s left reduces your balance. We repeat this month by month until the balance reaches zero, then total up the time and interest.<\/p>\n    <p>These results are estimates. Real accounts vary, interest can compound differently, and your card&rsquo;s exact terms may differ from the numbers you enter, so treat the numbers as a close guide rather than an exact prediction. For a worked real-world example of how long a large balance can take at the minimum, see <a href=\"https:\/\/www.beyondfinance.com\/blog\/how-long-does-it-take-to-pay-off-a-credit-card\/\">How Long Does It Take to Pay Off a Credit Card<\/a>.<\/p>\n    <p><small>This calculator is for educational estimates only. It&rsquo;s based on the balance, interest rate, and payment details you enter. For a minimum-only payoff, the minimum is recalculated each month using the method you choose (never less than $25). Your actual rate, minimum payment, and payoff timeline will differ.<\/small><\/p>\n\n    <h2><span class=\"bf-dp-chip bg-warning text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9.5 9a2.5 2.5 0 1 1 3.5 2.3c-.8.4-1 .9-1 1.7\"\/><path d=\"M12 17h.01\"\/><\/svg><\/span>Frequently asked questions<\/h2>\n    <details class=\"bf-dp-faq\">\n      <summary>How accurate is this calculator?<\/summary>\n      <p class=\"mt-2\">It gives an estimate, not an exact figure. It uses standard amortization math, but real accounts can vary in how interest is applied, and your card&rsquo;s exact terms may differ from the numbers you enter. The more precise your inputs, the more accurate your result.<\/p>\n    <\/details>\n    <details class=\"bf-dp-faq\">\n      <summary>How does it calculate the minimum payment?<\/summary>\n      <p class=\"mt-2\">You choose how the minimum is calculated: a percentage of your current balance (from 1% to 5%), or 1% or 2% plus that month&rsquo;s interest. Whichever you pick, it&rsquo;s recalculated each month as your balance drops, with a floor of $25. Your card&rsquo;s exact formula may differ.<\/p>\n    <\/details>\n    <details class=\"bf-dp-faq\">\n      <summary>Why is my payoff timeline so long?<\/summary>\n      <p class=\"mt-2\">Because when you pay only the minimum, most of each payment goes toward interest rather than the balance &mdash; and as the balance falls, the minimum falls too, so progress keeps slowing down. On a large balance this can stretch payoff out for decades.<\/p>\n    <\/details>\n    <details class=\"bf-dp-faq\">\n      <summary>Should I use the avalanche or snowball method?<\/summary>\n      <p class=\"mt-2\">Avalanche (paying highest-interest debt first) saves you the most money; snowball (paying smallest balance first) gives you quicker early wins that many people find motivating. The best one is the one you&rsquo;ll actually stick with &mdash; we compare them in detail in <a href=\"https:\/\/www.beyondfinance.com\/blog\/debt-avalanche-vs-snowball\/\">Avalanche vs. Snowball<\/a>.<\/p>\n    <\/details>\n    <details class=\"bf-dp-faq\">\n      <summary>What if I can&rsquo;t afford to pay more than the minimum?<\/summary>\n      <p class=\"mt-2\">That&rsquo;s a real and common situation, and it doesn&rsquo;t mean you&rsquo;ve done anything wrong &mdash; with high balances, the math is genuinely stacked against you. If your debt feels unmanageable no matter what you do, it may be worth looking into what options you have to get out of debt faster.<\/p>\n    <\/details>\n  <\/div>\n  <div class=\"bf-dp-footer-cta\">\n    <h3><span class=\"bf-dp-chip bg-tertiary text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><path d=\"M12 3v4M12 17v4M3 12h4M17 12h4\"\/><circle cx=\"12\" cy=\"12\" r=\"3\"\/><\/svg><\/span>Want to get out of debt faster than your timeline shows?<\/h3>\n    <p>Explore your options for paying down what you owe sooner.<\/p>\n    <a href=\"https:\/\/www.beyondfinance.com\/free_evaluation\" class=\"btn btn-secondary\">See your options<\/a>\n  <\/div>\n  <p class=\"mt-4\"><small class=\"text-muted\">The information on this site is provided as a general resource and does not constitute legal, tax, or financial advice. While Beyond Finance strives to ensure accuracy, this content, including any third-party sources referenced, should not be the basis for any financial decision. For guidance specific to your situation, we recommend consulting a qualified professional.<\/small><\/p>\n\n<\/div>\n\n<script>\n(function () {\n  var bfCardCount = 0;\n  var bfMultiCalloutShown = false;\n\n  \/\/ Minimum-payment method: MAX($25, 1% of balance + this month's interest),\n  \/\/ recalculated each month. This mirrors how most real cards set minimums.\n  var BF_MIN_FLOOR = 25;\n  var BF_MIN_PRINCIPAL_PCT = 0.01;\n  var BF_SIM_CAP = 5000;\n\n  \/\/ Selectable minimum-payment methods. Value \"int1\" = 1% of balance + interest;\n  \/\/ any other value is a flat percentage of the balance (e.g. \"0.0275\" = 2.75%).\n  \/\/ All methods carry the $25 floor. No method is preselected (choice is required).\n  var BF_DEFAULT_METHOD = \"0.0275\";\n\n  function bfMethodOptionsHtml() {\n    \/\/ Placeholder is intentionally NOT disabled, so a user who picks a method\n    \/\/ can clear it again and switch to entering a set monthly payment instead.\n    var html = '<option value=\"\" selected>Select a method&hellip;<\/option>';\n    html += '<option value=\"int1\">1% + interest<\/option>';\n    html += '<option value=\"int2\">2% + interest<\/option>';\n    var pct = 1.0;\n    while (pct <= 5.0001) {\n      var val = (pct \/ 100).toString();\n      var label = (Math.round(pct * 100) \/ 100) + \"%\";\n      html += '<option value=\"' + val + '\">' + label + '<\/option>';\n      pct += 0.25;\n    }\n    return html;\n  }\n\n  \/\/ Minimum for a given method at the current balance. Returns the payment amount.\n  \/\/ \"int1\"\/\"int2\" = that percentage of the balance PLUS this month's interest.\n  \/\/ Any other value is a flat percentage of the balance (interest included).\n  function bfMethodMinimum(method, balance, aprDecimal) {\n    if (method === \"int1\") {\n      return Math.max(BF_MIN_FLOOR, BF_MIN_PRINCIPAL_PCT * balance + balance * (aprDecimal \/ 12));\n    }\n    if (method === \"int2\") {\n      return Math.max(BF_MIN_FLOOR, 0.02 * balance + balance * (aprDecimal \/ 12));\n    }\n    var pct = parseFloat(method);\n    if (isNaN(pct) || pct <= 0) { pct = parseFloat(BF_DEFAULT_METHOD); }\n    return Math.max(BF_MIN_FLOOR, pct * balance);\n  }\n\n  function bfDefaultMinimum(balance, aprDecimal) {\n    var interest = balance * (aprDecimal \/ 12);\n    return Math.max(BF_MIN_FLOOR, BF_MIN_PRINCIPAL_PCT * balance + interest);\n  }\n\n  function bfParseNum(el) {\n    if (!el) { return null; }\n    var raw = el.value;\n    if (raw === null || raw === undefined) { return null; }\n    raw = String(raw).trim();\n    if (raw === \"\") { return null; }\n\n    var multiplier = 1;\n    var lastChar = raw.charAt(raw.length - 1).toLowerCase();\n    if (lastChar === \"k\") {\n      multiplier = 1000;\n      raw = raw.slice(0, -1);\n    } else if (lastChar === \"m\") {\n      multiplier = 1000000;\n      raw = raw.slice(0, -1);\n    }\n\n    raw = raw.replace(\/[^0-9.\\-]\/g, \"\");\n    if (raw === \"\") { return null; }\n    var n = parseFloat(raw);\n    if (isNaN(n)) { return null; }\n    return n * multiplier;\n  }\n\n  function bfFormatCurrency(amount) {\n    return new Intl.NumberFormat(\"en-US\", { style: \"currency\", currency: \"USD\", maximumFractionDigits: 0 }).format(amount);\n  }\n\n  function bfFormatYearsMonths(totalMonths) {\n    var years = Math.floor(totalMonths \/ 12);\n    var months = totalMonths % 12;\n    var parts = [];\n    if (years > 0) {\n      if (years === 1) {\n        parts.push(\"1 year\");\n      } else {\n        parts.push(years + \" years\");\n      }\n    }\n    if (months > 0) {\n      if (months === 1) {\n        parts.push(\"1 month\");\n      } else {\n        parts.push(months + \" months\");\n      }\n    }\n    if (parts.length === 0) { parts.push(\"0 months\"); }\n    return parts.join(\", \");\n  }\n\n  function bfPayoffDateString(totalMonths) {\n    var d = new Date();\n    d.setMonth(d.getMonth() + totalMonths);\n    var monthNames = [\"January\",\"February\",\"March\",\"April\",\"May\",\"June\",\"July\",\"August\",\"September\",\"October\",\"November\",\"December\"];\n    return monthNames[d.getMonth()] + \" \" + d.getFullYear();\n  }\n\n  function bfScrollToResults(id) {\n    var el = document.getElementById(id);\n    if (el) {\n      el.scrollIntoView({ behavior: \"smooth\", block: \"start\" });\n      el.classList.remove(\"bf-reveal\");\n      void el.offsetWidth;\n      el.classList.add(\"bf-reveal\");\n    }\n  }\n\n  \/\/ Conditional CTA (spec 3.3c): 10-year threshold and show\/hide helper.\n  var BF_LONG_PAYOFF_MONTHS = 120;\n  function bfSetConditionalCta(show) {\n    var cta = document.getElementById(\"bf-cta-conditional\");\n    if (!cta) { return; }\n    if (show) {\n      cta.style.display = \"block\";\n    } else {\n      cta.style.display = \"none\";\n    }\n  }\n\n  \/\/ ---- MODE TOGGLE ----\n  window.bfSetMode = function (mode) {\n    var singleForm = document.getElementById(\"bf-single-form\");\n    var multiForm = document.getElementById(\"bf-multi-form\");\n    var singleBtn = document.getElementById(\"bf-mode-single-btn\");\n    var multiBtn = document.getElementById(\"bf-mode-multi-btn\");\n    var resultsSingle = document.getElementById(\"bf-results-single\");\n    var resultsMulti = document.getElementById(\"bf-results-multi\");\n    var resultsMultiMin = document.getElementById(\"bf-results-multi-min\");\n    var resultsMultiTotal = document.getElementById(\"bf-results-multi-total\");\n    bfClearSingleError();\n    bfClearMultiError();\n\n    if (mode === \"single\") {\n      singleForm.style.display = \"block\";\n      multiForm.style.display = \"none\";\n      singleBtn.classList.remove(\"btn-outline-primary\");\n      singleBtn.classList.add(\"btn-primary\");\n      multiBtn.classList.remove(\"btn-primary\");\n      multiBtn.classList.add(\"btn-outline-primary\");\n      resultsMulti.style.display = \"none\";\n      resultsMultiMin.style.display = \"none\";\n      resultsMultiTotal.style.display = \"none\";\n      bfSetConditionalCta(false);\n    } else {\n      singleForm.style.display = \"none\";\n      multiForm.style.display = \"block\";\n      multiBtn.classList.remove(\"btn-outline-primary\");\n      multiBtn.classList.add(\"btn-primary\");\n      singleBtn.classList.remove(\"btn-primary\");\n      singleBtn.classList.add(\"btn-outline-primary\");\n      resultsSingle.style.display = \"none\";\n      resultsMultiTotal.style.display = \"none\";\n      bfSetConditionalCta(false);\n\n      if (bfCardCount === 0) {\n        window.bfAddCard();\n        window.bfAddCard();\n      }\n      if (!bfMultiCalloutShown) {\n        document.getElementById(\"bf-multi-callout\").style.display = \"block\";\n        bfMultiCalloutShown = true;\n      }\n    }\n  };\n\n  \/\/ ---- MULTI-CARD ROW MANAGEMENT ----\n  function bfCardRowTemplate(index) {\n    var num = index + 1;\n    return \"\"\n      + '<div class=\"bf-dp-cardbox-head\">'\n      + '<h5 class=\"bf-card-title\"><span class=\"bf-dp-chip bf-dp-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span>Card ' + num + '<\/h5>'\n      + '<button type=\"button\" class=\"btn btn-outline-danger btn-sm bf-remove-card\" aria-label=\"Remove card\" onclick=\"window.bfRemoveCard(' + index + ')\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" viewBox=\"0 0 16 16\" style=\"vertical-align:-2px;\"><path d=\"M5.5 5.5A.5.5 0 0 1 6 6v6a.5.5 0 0 1-1 0V6a.5.5 0 0 1 .5-.5m2.5 0a.5.5 0 0 1 .5.5v6a.5.5 0 0 1-1 0V6a.5.5 0 0 1 .5-.5m3 .5a.5.5 0 0 0-1 0v6a.5.5 0 0 0 1 0z\"\/><path d=\"M14.5 3a1 1 0 0 1-1 1H13v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V4h-.5a1 1 0 0 1-1-1V2a1 1 0 0 1 1-1H6a1 1 0 0 1 1-1h2a1 1 0 0 1 1 1h3.5a1 1 0 0 1 1 1zM4.118 4 4 4.059V13a1 1 0 0 0 1 1h6a1 1 0 0 0 1-1V4.059L11.882 4zM2.5 3h11V2h-11z\"\/><\/svg><\/button>'\n      + '<\/div>'\n      + '<div class=\"row g-3\">'\n      + '<div class=\"col-12 col-md-6\">'\n      + '<label class=\"form-label\"><span class=\"bf-dp-chip bf-dp-chip-sm bg-success text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><path d=\"M9.2 3h5.6l-1.3 2.6h-3z\"\/><path d=\"M10.5 5.6C6.8 7.2 4.2 10.3 4.2 13.8A6.8 6.8 0 0 0 11 20.6h2a6.8 6.8 0 0 0 6.8-6.8c0-3.5-2.6-6.6-6.3-8.2z\"\/><path d=\"M12 10v6\"\/><path d=\"M13.7 11.4h-2.1a1.3 1.3 0 0 0 0 2.6h1.1a1.3 1.3 0 0 1 0 2.6h-2.4\"\/><\/svg><\/span>Balance<\/label>'\n      + '<div class=\"input-group\"><span class=\"input-group-text\">$<\/span><input type=\"text\" inputmode=\"decimal\" class=\"form-control bf-money bf-card-balance\" placeholder=\"Enter balance\"><\/div>'\n      + '<\/div>'\n      + '<div class=\"col-12 col-md-6\">'\n      + '<label class=\"form-label\"><span class=\"bf-dp-chip bf-dp-chip-sm bg-warning text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><path d=\"M19 5L5 19\"\/><circle cx=\"7.5\" cy=\"7.5\" r=\"2.5\"\/><circle cx=\"16.5\" cy=\"16.5\" r=\"2.5\"\/><\/svg><\/span>APR<\/label>'\n      + '<div class=\"input-group\"><input type=\"text\" inputmode=\"decimal\" class=\"form-control bf-card-apr\" placeholder=\"Enter rate\"><span class=\"input-group-text\">%<\/span><\/div>'\n      + '<div class=\"form-text\">The interest rate on this card. Most are between 18% and 29%.<\/div>'\n      + '<\/div>'\n      + '<div class=\"col-12 col-md-6 bf-pay-method-block\">'\n      + '<label class=\"form-label\"><span class=\"bf-dp-chip bf-dp-chip-sm bg-tertiary text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><path d=\"M4 18h16\"\/><path d=\"M7 14l4-5 3 3 3-4\"\/><\/svg><\/span>Minimum payment method<\/label>'\n      + '<select class=\"form-select bf-card-method\">' + bfMethodOptionsHtml() + '<\/select>'\n      + '<div class=\"form-text\">Most cards use between 1% and 3%.<\/div>'\n      + '<button type=\"button\" class=\"btn btn-link btn-sm px-0 bf-pay-toggle\" onclick=\"window.bfCardPayMode(this, 1)\">I pay a set amount on this card instead<\/button>'\n      + '<\/div>'\n      + '<div class=\"col-12 col-md-6 bf-pay-amount-block\" style=\"display:none;\">'\n      + '<label class=\"form-label\"><span class=\"bf-dp-chip bf-dp-chip-sm bg-success text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dp-svg\"><rect x=\"2\" y=\"6\" width=\"20\" height=\"12\" rx=\"2\"\/><circle cx=\"12\" cy=\"12\" r=\"2.5\"\/><\/svg><\/span>Set amount you pay each month<\/label>'\n      + '<div class=\"input-group\"><span class=\"input-group-text\">$<\/span><input type=\"text\" inputmode=\"decimal\" class=\"form-control bf-money bf-card-payment\" placeholder=\"Enter amount\"><\/div>'\n      + '<div class=\"form-text\">At least $25, up to your balance.<\/div>'\n      + '<button type=\"button\" class=\"btn btn-link btn-sm px-0 bf-pay-toggle\" onclick=\"window.bfCardPayMode(this, 0)\">Use a minimum-payment method instead<\/button>'\n      + '<\/div>'\n      + '<\/div>';\n  }\n\n  \/\/ Each card is in one of two payment modes: \"method\" (the default, a\n  \/\/ declining minimum) or \"amount\" (a set dollar payment for that card).\n  \/\/ Switching clears the other input so only one is ever submitted.\n  \/\/ Adds thousands separators to dollar fields as the person types, so a\n  \/\/ stray extra zero is easy to spot. Cursor position is preserved by\n  \/\/ counting digits (not characters) before the caret.\n  function bfFormatMoneyInput(el) {\n    var val = el.value;\n    if (val === \"\") { return; }\n\n    \/\/ Leave shorthand like \"40k\" or \"2m\" alone while it is being typed.\n    var last = val.charAt(val.length - 1).toLowerCase();\n    if (last === \"k\") { return; }\n    if (last === \"m\") { return; }\n\n    var selStart = el.selectionStart;\n    if (selStart === null) { selStart = val.length; }\n    if (selStart === undefined) { selStart = val.length; }\n    var digitsBefore = val.slice(0, selStart).replace(\/[^0-9]\/g, \"\").length;\n\n    var cleaned = val.replace(\/[^0-9.]\/g, \"\");\n    var parts = cleaned.split(\".\");\n    var intPart = parts[0];\n    var hadDot = false;\n    if (parts.length > 1) { hadDot = true; }\n    var decPart = \"\";\n    if (hadDot) {\n      decPart = parts.slice(1).join(\"\").slice(0, 2);\n    }\n\n    var intFormatted = \"\";\n    if (intPart !== \"\") {\n      intFormatted = intPart.replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, \",\");\n    }\n    var out = intFormatted;\n    if (hadDot) { out = intFormatted + \".\" + decPart; }\n    if (out === val) { return; }\n    el.value = out;\n\n    var pos = 0;\n    if (digitsBefore > 0) {\n      var count = 0;\n      while (pos < out.length) {\n        if (\/[0-9]\/.test(out.charAt(pos))) { count += 1; }\n        pos += 1;\n        if (count >= digitsBefore) { break; }\n      }\n    }\n    try {\n      el.setSelectionRange(pos, pos);\n    } catch (err) {\n      return;\n    }\n  }\n\n  window.bfCardPayMode = function (btn, toAmount) {\n    var row = btn.closest(\".bf-card-row\");\n    if (!row) { return; }\n    var methodBlock = row.querySelector(\".bf-pay-method-block\");\n    var amountBlock = row.querySelector(\".bf-pay-amount-block\");\n    var methodEl = row.querySelector(\".bf-card-method\");\n    var amountEl = row.querySelector(\".bf-card-payment\");\n    if (toAmount) {\n      row.setAttribute(\"data-pay-mode\", \"amount\");\n      methodBlock.style.display = \"none\";\n      amountBlock.style.display = \"block\";\n      methodEl.value = \"\";\n    } else {\n      row.setAttribute(\"data-pay-mode\", \"method\");\n      methodBlock.style.display = \"block\";\n      amountBlock.style.display = \"none\";\n      amountEl.value = \"\";\n    }\n  };\n\n  \/\/ Card headings always reflect current position, so removing a card\n  \/\/ renumbers the rest (Card 1, Card 2, ...) instead of leaving gaps.\n  function bfRenumberCards() {\n    var rows = document.querySelectorAll(\".bf-card-row\");\n    rows.forEach(function (row, i) {\n      var title = row.querySelector(\".bf-card-title\");\n      if (title) {\n        title.innerHTML = \"Card \" + (i + 1);\n      }\n    });\n  }\n\n  window.bfAddCard = function () {\n    var index = bfCardCount;\n    bfCardCount += 1;\n    var container = document.getElementById(\"bf-cards-container\");\n    var div = document.createElement(\"div\");\n    div.className = \"bf-dp-cardbox bf-card-row\";\n    div.setAttribute(\"data-card-index\", String(index));\n    div.setAttribute(\"data-pay-mode\", \"method\");\n    div.innerHTML = bfCardRowTemplate(index);\n    container.appendChild(div);\n    bfRenumberCards();\n    window.bfUpdateRemoveButtons();\n  };\n\n  window.bfRemoveCard = function (index) {\n    var row = document.querySelector('[data-card-index=\"' + index + '\"]');\n    if (row) {\n      if (row.parentNode) {\n        row.parentNode.removeChild(row);\n      }\n    }\n    bfRenumberCards();\n    window.bfUpdateRemoveButtons();\n  };\n\n  window.bfUpdateRemoveButtons = function () {\n    var rows = document.querySelectorAll(\".bf-card-row\");\n    var showRemove = rows.length > 1;\n    rows.forEach(function (row) {\n      var btn = row.querySelector(\".bf-remove-card\");\n      if (btn) {\n        if (showRemove) {\n          btn.style.display = \"inline-block\";\n        } else {\n          btn.style.display = \"none\";\n        }\n      }\n    });\n  };\n\n  \/\/ ---- SINGLE CARD AMORTIZATION HELPERS ----\n  \/\/ Fixed payment simulation. Returns null if payment can't cover month-1 interest.\n  function bfSimFixed(balance, aprDecimal, fixedPayment) {\n    var monthlyInterestNow = balance * (aprDecimal \/ 12);\n    if (fixedPayment <= monthlyInterestNow) {\n      return null;\n    }\n    var months = 0;\n    var totalInterest = 0;\n    var cur = balance;\n    var maxMonths = 1200;\n    while (cur > 0) {\n      if (months >= maxMonths) { break; }\n      var interest = cur * (aprDecimal \/ 12);\n      var principal = fixedPayment - interest;\n      if (principal < 0) { principal = 0; }\n      cur = cur - principal;\n      if (cur < 0) { cur = 0; }\n      totalInterest += interest;\n      months += 1;\n    }\n    return { months: months, totalInterest: totalInterest };\n  }\n\n  \/\/ Declining-minimum simulation for a selected method. Returns {stalled:true}\n  \/\/ if the method's payment can't cover interest (flat % at\/below the rate) OR\n  \/\/ if it can't pay off within the cap (a flat % barely above the rate crawls).\n  function bfSimMinimum(balance, aprDecimal, method) {\n    var months = 0;\n    var totalInterest = 0;\n    var cur = balance;\n    while (cur > 0.005) {\n      if (months >= BF_SIM_CAP) {\n        return { stalled: true };\n      }\n      var interest = cur * (aprDecimal \/ 12);\n      var payment = bfMethodMinimum(method, cur, aprDecimal);\n      var principal = payment - interest;\n      if (principal <= 0) {\n        return { stalled: true };\n      }\n      cur = cur - principal;\n      if (cur < 0) { cur = 0; }\n      totalInterest += interest;\n      months += 1;\n    }\n    return { months: months, totalInterest: totalInterest, stalled: false };\n  }\n\n  \/\/ ---- SINGLE CARD VALIDATION LIMITS ----\n  var BF_MAX_BALANCE = 1000000;\n  var BF_MAX_APR = 50;\n\n  function bfShowSingleError(msg) {\n    var el = document.getElementById(\"bf-single-error\");\n    el.textContent = msg;\n    el.style.display = \"block\";\n    \/\/ Hide any earlier result so stale figures never sit under a new error.\n    var panel = document.getElementById(\"bf-results-single\");\n    if (panel) { panel.style.display = \"none\"; }\n    el.scrollIntoView({ behavior: \"smooth\", block: \"center\" });\n  }\n  function bfClearSingleError() {\n    var el = document.getElementById(\"bf-single-error\");\n    el.style.display = \"none\";\n  }\n\n  \/\/ ---- SINGLE CARD CALCULATION ----\n  window.bfCalculateSingle = function () {\n    bfClearSingleError();\n    var balance = bfParseNum(document.getElementById(\"bf-single-balance\"));\n    var apr = bfParseNum(document.getElementById(\"bf-single-apr\"));\n    var payment = bfParseNum(document.getElementById(\"bf-single-payment\"));\n    var methodEl = document.getElementById(\"bf-single-method\");\n    var method = methodEl ? methodEl.value : \"\";\n\n    \/\/ Balance: required, within realistic range.\n    if (balance === null || balance <= 0) {\n      bfShowSingleError(\"Please enter a balance greater than $0.\");\n      return;\n    }\n    if (balance > BF_MAX_BALANCE) {\n      bfShowSingleError(\"Please enter a balance of $1,000,000 or less.\");\n      return;\n    }\n\n    \/\/ APR: required (no default), within realistic range.\n    if (apr === null) {\n      bfShowSingleError(\"Please enter the interest rate (APR) on this card.\");\n      return;\n    }\n    if (apr < 0 || apr > BF_MAX_APR) {\n      bfShowSingleError(\"Please enter an APR between 0% and 50%.\");\n      return;\n    }\n    var aprDecimal = apr \/ 100;\n    var monthlyInterestNow = balance * (aprDecimal \/ 12);\n\n    \/\/ Payment: exactly one of \"set amount\" or \"minimum method\".\n    var hasPayment = (payment !== null);\n    var hasMethod = false;\n    if (method !== \"\") {\n      if (method !== null) { hasMethod = true; }\n    }\n\n    if (hasPayment) {\n      if (hasMethod) {\n        \/\/ Both filled: validate the set amount, then compare the two paths.\n        if (payment < BF_MIN_FLOOR) {\n          bfShowSingleError(\"A set monthly payment needs to be at least $25.\");\n          return;\n        }\n        if (payment > balance) {\n          bfShowSingleError(\"Your monthly payment can\\u2019t be more than your balance.\");\n          return;\n        }\n        window.bfRenderSingleComparison(balance, aprDecimal, payment, method, monthlyInterestNow);\n        return;\n      }\n    }\n    if (!hasPayment) {\n      if (!hasMethod) {\n        bfShowSingleError(\"Please enter a set monthly payment or pick a minimum-payment method.\");\n        return;\n      }\n    }\n\n    if (hasMethod) {\n      \/\/ Minimum-only path using the selected method.\n      var minResult = bfSimMinimum(balance, aprDecimal, method);\n      if (minResult.stalled) {\n        window.bfShowNeverPaysOff(monthlyInterestNow);\n        return;\n      }\n      var startMin = bfMethodMinimum(method, balance, aprDecimal);\n      window.bfRenderSingleResults(balance, minResult.totalInterest, minResult.months, true, startMin, aprDecimal);\n      return;\n    }\n\n    \/\/ Set-amount path: $25 minimum, cannot exceed balance.\n    if (payment < BF_MIN_FLOOR) {\n      bfShowSingleError(\"A set monthly payment needs to be at least $25.\");\n      return;\n    }\n    if (payment > balance) {\n      bfShowSingleError(\"Your monthly payment can\\u2019t be more than your balance.\");\n      return;\n    }\n    if (payment <= monthlyInterestNow) {\n      window.bfShowNeverPaysOff(monthlyInterestNow);\n      return;\n    }\n    var fixedResult = bfSimFixed(balance, aprDecimal, payment);\n    window.bfRenderSingleResults(balance, fixedResult.totalInterest, fixedResult.months, false, payment, aprDecimal);\n  };\n\n  \/\/ Both payment inputs filled: run each path and compare them side by side.\n  window.bfRenderSingleComparison = function (balance, aprDecimal, payment, method, monthlyInterestNow) {\n    var resultsPanel = document.getElementById(\"bf-results-single\");\n    var normal = document.getElementById(\"bf-single-normal-results\");\n    var never = document.getElementById(\"bf-single-never-results\");\n    var compare = document.getElementById(\"bf-single-compare-results\");\n\n    var setRes = null;\n    if (payment > monthlyInterestNow) {\n      setRes = bfSimFixed(balance, aprDecimal, payment);\n    }\n    var minSim = bfSimMinimum(balance, aprDecimal, method);\n    var minRes = null;\n    if (!minSim.stalled) { minRes = minSim; }\n\n    \/\/ Neither path makes progress: fall back to the existing explanation.\n    if (setRes === null) {\n      if (minRes === null) {\n        window.bfShowNeverPaysOff(monthlyInterestNow);\n        return;\n      }\n    }\n\n    resultsPanel.style.display = \"block\";\n    normal.style.display = \"none\";\n    never.style.display = \"none\";\n    compare.style.display = \"block\";\n\n    var stallText = \"Balance barely moves\";\n    document.getElementById(\"bf-cmp-head-set\").innerHTML = \"Paying \" + bfFormatCurrency(payment) + \"\/month\";\n\n    function fill(prefix, res) {\n      if (res === null) {\n        document.getElementById(prefix + \"-time\").innerHTML = stallText;\n        document.getElementById(prefix + \"-interest\").innerHTML = \"&mdash;\";\n        document.getElementById(prefix + \"-total\").innerHTML = \"&mdash;\";\n        document.getElementById(prefix + \"-date\").innerHTML = \"&mdash;\";\n        return;\n      }\n      document.getElementById(prefix + \"-time\").innerHTML = bfFormatYearsMonths(res.months);\n      document.getElementById(prefix + \"-interest\").innerHTML = bfFormatCurrency(res.totalInterest);\n      document.getElementById(prefix + \"-total\").innerHTML = bfFormatCurrency(balance + res.totalInterest);\n      document.getElementById(prefix + \"-date\").innerHTML = bfPayoffDateString(res.months);\n    }\n    fill(\"bf-cmp-set\", setRes);\n    fill(\"bf-cmp-min\", minRes);\n\n    var framing = document.getElementById(\"bf-cmp-framing\");\n    var startMin = bfMethodMinimum(method, balance, aprDecimal);\n\n    if (setRes === null) {\n      framing.innerHTML = \"At \" + bfFormatCurrency(payment) + \" a month, almost everything goes to interest and the balance barely moves. The minimum-payment method you picked starts at about \" + bfFormatCurrency(startMin) + \" a month, which does chip away at the balance.\";\n      bfSetConditionalCta(true);\n      bfScrollToResults(\"bf-results-single\");\n      return;\n    }\n    if (minRes === null) {\n      framing.innerHTML = \"Paying \" + bfFormatCurrency(payment) + \" a month clears the balance in \" + bfFormatYearsMonths(setRes.months) + \". The minimum-payment method you picked barely moves the balance, because at this rate the minimum is close to the interest that builds up each month.\";\n      bfSetConditionalCta(true);\n      bfScrollToResults(\"bf-results-single\");\n      return;\n    }\n\n    var interestDiff = minRes.totalInterest - setRes.totalInterest;\n    var monthsDiff = minRes.months - setRes.months;\n    if (monthsDiff > 0) {\n      var msg = \"Paying \" + bfFormatCurrency(payment) + \" a month gets you there \" + bfFormatYearsMonths(monthsDiff) + \" sooner and costs \" + bfFormatCurrency(interestDiff) + \" less in interest than paying only the minimum. Your minimum would start at about \" + bfFormatCurrency(startMin) + \" and shrink as the balance falls, which is what stretches the timeline out.\";\n      if (payment < startMin) {\n        msg += \" One thing to keep in mind: \" + bfFormatCurrency(payment) + \" is below this card&rsquo;s minimum of about \" + bfFormatCurrency(startMin) + \", and your card issuer would still require at least the minimum each month.\";\n      }\n      framing.innerHTML = msg;\n      bfSetConditionalCta(true);\n      bfScrollToResults(\"bf-results-single\");\n      return;\n    }\n    if (monthsDiff === 0) {\n      framing.innerHTML = \"Both come out about the same, because \" + bfFormatCurrency(payment) + \" is close to this card&rsquo;s minimum of about \" + bfFormatCurrency(startMin) + \" a month.\";\n      bfSetConditionalCta(true);\n      bfScrollToResults(\"bf-results-single\");\n      return;\n    }\n    framing.innerHTML = \"Your set payment of \" + bfFormatCurrency(payment) + \" is less than this card&rsquo;s minimum of about \" + bfFormatCurrency(startMin) + \" a month, so the minimum-only path finishes sooner here. Card issuers require at least the minimum each month, so treat the minimum column as the realistic floor.\";\n    bfSetConditionalCta(true);\n    bfScrollToResults(\"bf-results-single\");\n  };\n\n  window.bfShowNeverPaysOff = function (monthlyInterestNow) {\n    var resultsPanel = document.getElementById(\"bf-results-single\");\n    var normal = document.getElementById(\"bf-single-normal-results\");\n    var never = document.getElementById(\"bf-single-never-results\");\n    resultsPanel.style.display = \"block\";\n    normal.style.display = \"none\";\n    never.style.display = \"block\";\n    var cmp = document.getElementById(\"bf-single-compare-results\");\n    if (cmp) { cmp.style.display = \"none\"; }\n    var interestStr = bfFormatCurrency(monthlyInterestNow);\n    never.innerHTML = \"At this payment, your balance barely moves &mdash; almost all of it is going to interest. To make real progress, you&rsquo;d need to pay more than \" + interestStr + \"\/month (this month&rsquo;s interest alone). Even a little above that starts chipping away at the balance.\";\n    bfSetConditionalCta(true);\n    bfScrollToResults(\"bf-results-single\");\n  };\n\n  window.bfRenderSingleResults = function (balance, totalInterest, months, usedEstimate, displayPayment, aprDecimal) {\n    var resultsPanel = document.getElementById(\"bf-results-single\");\n    var normal = document.getElementById(\"bf-single-normal-results\");\n    var never = document.getElementById(\"bf-single-never-results\");\n    var headline = document.getElementById(\"bf-single-headline\");\n    var statInterest = document.getElementById(\"bf-single-stat-interest\");\n    var statTotal = document.getElementById(\"bf-single-stat-total\");\n    var statDate = document.getElementById(\"bf-single-stat-date\");\n\n    resultsPanel.style.display = \"block\";\n    normal.style.display = \"block\";\n    never.style.display = \"none\";\n    var cmpPanel = document.getElementById(\"bf-single-compare-results\");\n    if (cmpPanel) { cmpPanel.style.display = \"none\"; }\n\n    var paymentStr = bfFormatCurrency(displayPayment);\n    var balanceStr = bfFormatCurrency(balance);\n    var timeStr = bfFormatYearsMonths(months);\n\n    if (usedEstimate) {\n      headline.innerHTML = \"Making only minimum payments, you&rsquo;ll pay off <span class=\\\"bf-key\\\">\" + balanceStr + \"<\/span> in <span class=\\\"bf-key-time\\\">\" + timeStr + \"<\/span>\";\n    } else {\n      headline.innerHTML = \"At <span class=\\\"bf-key\\\">\" + paymentStr + \"<\/span>\/month, you&rsquo;ll pay off <span class=\\\"bf-key\\\">\" + balanceStr + \"<\/span> in <span class=\\\"bf-key-time\\\">\" + timeStr + \"<\/span>\";\n    }\n    statInterest.textContent = bfFormatCurrency(totalInterest);\n    statTotal.textContent = bfFormatCurrency(balance + totalInterest);\n    statDate.textContent = bfPayoffDateString(months);\n\n    \/\/ Conditional CTA: single-card minimum-only mode (any timeline), or payoff > 10 years.\n    if (usedEstimate) {\n      bfSetConditionalCta(true);\n    } else if (months > BF_LONG_PAYOFF_MONTHS) {\n      bfSetConditionalCta(true);\n    } else {\n      bfSetConditionalCta(false);\n    }\n\n    bfScrollToResults(\"bf-results-single\");\n  };\n\n  \/\/ ---- MULTI-CARD CONSTANTS & HELPERS ----\n  var BF_MAX_MONTHS = 5000;\n\n  \/\/ Per-card monthly payment. A card with a designated dollar amount pays that\n  \/\/ amount; otherwise it pays its declining minimum from the selected method.\n  function bfCardMinThisMonth(card, currentBalance) {\n    if (card.payment !== null) {\n      if (card.payment !== undefined) { return card.payment; }\n    }\n    return bfMethodMinimum(card.method, currentBalance, card.apr \/ 100);\n  }\n\n  \/\/ Minimum-only baseline: each card paid independently at its declining minimum.\n  function bfSimulateMultiMinimumOnly(inputCards) {\n    var totalInterest = 0;\n    var paidOffPrincipal = 0;\n    var maxMonths = 0;\n    var neverLabels = [];\n\n    inputCards.forEach(function (card) {\n      var cur = card.balance;\n      var aprDecimal = card.apr \/ 100;\n      var months = 0;\n      var interestAccum = 0;\n      var stalled = false;\n\n      while (cur > 0.005) {\n        if (months >= BF_MAX_MONTHS) {\n          stalled = true;\n          break;\n        }\n        var interest = cur * (aprDecimal \/ 12);\n        var payment = bfCardMinThisMonth(card, cur);\n        var principal = payment - interest;\n        if (principal <= 0) {\n          stalled = true;\n          break;\n        }\n        cur = cur - principal;\n        if (cur < 0) { cur = 0; }\n        interestAccum += interest;\n        months += 1;\n      }\n\n      if (stalled) {\n        neverLabels.push(card.label);\n      } else {\n        totalInterest += interestAccum;\n        paidOffPrincipal += card.balance;\n        if (months > maxMonths) { maxMonths = months; }\n      }\n    });\n\n    var totalPayout = paidOffPrincipal + totalInterest;\n    return { months: maxMonths, totalInterest: totalInterest, totalPayout: totalPayout, neverLabels: neverLabels };\n  }\n\n  \/\/ Strategy simulation: pay every card's declining minimum, throw the rest at one target.\n  function bfSimulateMultiStrategy(inputCards, totalMonthly, strategy) {\n    var cards = inputCards.map(function (c) {\n      return { balance: c.balance, apr: c.apr, method: c.method, payment: c.payment,\n               label: c.label, startBalance: c.balance, clearedMonth: null };\n    });\n    var startingBalance = 0;\n    inputCards.forEach(function (c) { startingBalance += c.balance; });\n    var months = 0;\n    var totalInterest = 0;\n\n    function hasBalance() {\n      return cards.some(function (c) { return c.balance > 0.005; });\n    }\n\n    var capped = false;\n    while (hasBalance()) {\n      if (months >= BF_MAX_MONTHS) { capped = true; break; }\n      var active = cards.filter(function (c) { return c.balance > 0.005; });\n\n      active.forEach(function (c) {\n        c.interest = c.balance * (c.apr \/ 100 \/ 12);\n        totalInterest += c.interest;\n      });\n\n      \/\/ Order the active cards by strategy priority (avalanche: highest APR\n      \/\/ first; snowball: smallest balance first).\n      var ordered = active.slice();\n      ordered.sort(function (a, b) {\n        if (strategy === \"avalanche\") { return b.apr - a.apr; }\n        return a.balance - b.balance;\n      });\n\n      \/\/ Every active card first covers its own interest (its minimum, capped\n      \/\/ at what it owes). Track the leftover pool after those minimums.\n      var pool = totalMonthly;\n      active.forEach(function (c) {\n        var owed = c.balance + c.interest;\n        var minThisMonth = bfCardMinThisMonth(c, c.balance);\n        var pay = Math.min(minThisMonth, owed);\n        pool -= pay;\n        var principal = pay - c.interest;\n        if (principal < 0) { principal = 0; }\n        c.balance -= principal;\n        if (c.balance < 0) { c.balance = 0; }\n      });\n      if (pool < 0) { pool = 0; }\n\n      \/\/ Throw the leftover at cards in priority order; when one clears, the\n      \/\/ remainder cascades to the next. (Extra goes straight to principal,\n      \/\/ since interest was already covered by the minimums above.)\n      for (var k = 0; k < ordered.length; k++) {\n        if (pool <= 0) { break; }\n        var t = ordered[k];\n        if (t.balance <= 0.005) { continue; }\n        var extra = Math.min(pool, t.balance);\n        t.balance -= extra;\n        pool -= extra;\n        if (t.balance < 0) { t.balance = 0; }\n      }\n\n      months += 1;\n\n      \/\/ Record the month each card is cleared, to build the payoff order.\n      cards.forEach(function (c) {\n        if (c.clearedMonth === null) {\n          if (c.balance <= 0.005) { c.clearedMonth = months; }\n        }\n      });\n    }\n\n    var order = cards.slice().sort(function (a, b) {\n      var am = (a.clearedMonth === null) ? 999999 : a.clearedMonth;\n      var bm = (b.clearedMonth === null) ? 999999 : b.clearedMonth;\n      return am - bm;\n    });\n    var plan = order.map(function (c) {\n      return { label: c.label, apr: c.apr, startBalance: c.startBalance, clearedMonth: c.clearedMonth };\n    });\n\n    return { months: months, totalInterest: totalInterest, totalPayout: startingBalance + totalInterest, capped: capped, plan: plan };\n  }\n\n  function bfShowMultiError(msg) {\n    var el = document.getElementById(\"bf-multi-error\");\n    el.textContent = msg;\n    el.style.display = \"block\";\n    document.getElementById(\"bf-multi-warning\").style.display = \"none\";\n    \/\/ Hide any earlier result so stale figures never sit under a new error.\n    var ids = [\"bf-results-multi\", \"bf-results-multi-min\", \"bf-results-multi-total\"];\n    ids.forEach(function (id) {\n      var p = document.getElementById(id);\n      if (p) { p.style.display = \"none\"; }\n    });\n    el.scrollIntoView({ behavior: \"smooth\", block: \"center\" });\n  }\n  function bfClearMultiError() {\n    document.getElementById(\"bf-multi-error\").style.display = \"none\";\n  }\n\n  window.bfCalculateMulti = function () {\n    bfClearMultiError();\n    var rows = document.querySelectorAll(\".bf-card-row\");\n    var cards = [];\n    var errorMsg = null;\n\n    rows.forEach(function (row, i) {\n      if (errorMsg !== null) { return; }\n      var cardName = \"Card \" + (i + 1);\n      var balance = bfParseNum(row.querySelector(\".bf-card-balance\"));\n      var apr = bfParseNum(row.querySelector(\".bf-card-apr\"));\n      var methodEl = row.querySelector(\".bf-card-method\");\n      var method = methodEl ? methodEl.value : \"\";\n\n      if (balance === null || balance <= 0) {\n        errorMsg = \"Please enter a balance greater than $0 for \" + cardName + \".\";\n        return;\n      }\n      if (balance > BF_MAX_BALANCE) {\n        errorMsg = \"Please enter a balance of $1,000,000 or less for \" + cardName + \".\";\n        return;\n      }\n      if (apr === null) {\n        errorMsg = \"Please enter the APR for \" + cardName + \".\";\n        return;\n      }\n      if (apr < 0 || apr > BF_MAX_APR) {\n        errorMsg = \"Please enter an APR between 0% and 50% for \" + cardName + \".\";\n        return;\n      }\n      \/\/ Each card is in \"method\" mode (default) or \"amount\" mode. Only the\n      \/\/ active one is validated, so there is no \"you filled in both\" state.\n      var payMode = row.getAttribute(\"data-pay-mode\");\n      if (payMode !== \"amount\") { payMode = \"method\"; }\n      var paymentEl = row.querySelector(\".bf-card-payment\");\n      var payment = bfParseNum(paymentEl);\n\n      if (payMode === \"amount\") {\n        if (payment === null) {\n          errorMsg = \"Please enter the set monthly payment for \" + cardName + \".\";\n          return;\n        }\n        if (payment < BF_MIN_FLOOR) {\n          errorMsg = \"A set monthly payment needs to be at least $25 for \" + cardName + \".\";\n          return;\n        }\n        if (payment > balance) {\n          errorMsg = \"The monthly payment for \" + cardName + \" can\\u2019t be more than its balance.\";\n          return;\n        }\n        cards.push({\n          label: cardName,\n          balance: balance,\n          apr: apr,\n          aprEntered: true,\n          method: null,\n          payment: payment\n        });\n        return;\n      }\n\n      if (method === \"\") {\n        errorMsg = \"Please choose a minimum-payment method for \" + cardName + \".\";\n        return;\n      }\n      if (method === null) {\n        errorMsg = \"Please choose a minimum-payment method for \" + cardName + \".\";\n        return;\n      }\n      cards.push({\n        label: cardName,\n        balance: balance,\n        apr: apr,\n        aprEntered: true,\n        method: method,\n        payment: null\n      });\n    });\n\n    if (errorMsg !== null) {\n      bfShowMultiError(errorMsg);\n      return;\n    }\n    if (cards.length === 0) {\n      bfShowMultiError(\"Please add at least one card.\");\n      return;\n    }\n\n    var totalMonthly = bfParseNum(document.getElementById(\"bf-multi-total\"));\n    var warningEl = document.getElementById(\"bf-multi-warning\");\n    var resultsMulti = document.getElementById(\"bf-results-multi\");\n    var resultsMultiMin = document.getElementById(\"bf-results-multi-min\");\n    var resultsMultiTotal = document.getElementById(\"bf-results-multi-total\");\n\n    if (totalMonthly !== null) {\n      if (totalMonthly > BF_MAX_BALANCE) {\n        bfShowMultiError(\"Please enter a total monthly payment of $1,000,000 or less.\");\n        return;\n      }\n    }\n\n    \/\/ If any card has its own designated payment, there is no shared pool to\n    \/\/ allocate, so the avalanche vs. snowball comparison doesn't apply. Show a\n    \/\/ single combined payoff built from each card's own payment instead.\n    var anyDesignated = false;\n    cards.forEach(function (c) {\n      if (c.payment !== null) { anyDesignated = true; }\n    });\n\n    if (anyDesignated) {\n      resultsMulti.style.display = \"none\";\n      resultsMultiTotal.style.display = \"none\";\n      if (totalMonthly !== null) {\n        warningEl.style.display = \"block\";\n        warningEl.innerHTML = \"You&rsquo;ve set a payment on at least one card, so we&rsquo;ve used your per-card amounts and left the total monthly payment out. The avalanche and snowball comparison only applies when one shared total is split across your cards.\";\n      } else {\n        warningEl.style.display = \"none\";\n      }\n      var designatedResult = bfSimulateMultiMinimumOnly(cards);\n      window.bfRenderMultiMinimumOnly(designatedResult, true);\n      return;\n    }\n\n    \/\/ No total entered -> minimum-only baseline.\n    if (totalMonthly === null) {\n      warningEl.style.display = \"none\";\n      resultsMulti.style.display = \"none\";\n      resultsMultiTotal.style.display = \"none\";\n      var minOnly = bfSimulateMultiMinimumOnly(cards);\n      window.bfRenderMultiMinimumOnly(minOnly);\n      return;\n    }\n\n    \/\/ Total entered -> a total payment must at least cover the combined minimums.\n    var sumMin = 0;\n    cards.forEach(function (c) { sumMin += bfCardMinThisMonth(c, c.balance); });\n    if (totalMonthly < sumMin) {\n      warningEl.style.display = \"block\";\n      warningEl.textContent = \"Your total monthly payment needs to be at least \" + bfFormatCurrency(Math.ceil(sumMin)) + \" to cover the minimums on all your cards.\";\n      resultsMulti.style.display = \"none\";\n      resultsMultiMin.style.display = \"none\";\n      resultsMultiTotal.style.display = \"none\";\n      bfSetConditionalCta(false);\n      return;\n    }\n    warningEl.style.display = \"none\";\n    resultsMultiMin.style.display = \"none\";\n\n    \/\/ The avalanche vs. snowball comparison needs a real APR on every card\n    \/\/ (it ranks by rate; defaulted APRs would make the strategies identical).\n    \/\/ If any APR is missing, still show a single combined payoff for the total,\n    \/\/ just without the comparison.\n    var missingApr = false;\n    cards.forEach(function (c) {\n      if (!c.aprEntered) { missingApr = true; }\n    });\n\n    if (missingApr) {\n      resultsMulti.style.display = \"none\";\n      var single = bfSimulateMultiStrategy(cards, totalMonthly, \"avalanche\");\n      window.bfRenderMultiTotalSingle(single, totalMonthly);\n      return;\n    }\n\n    resultsMultiTotal.style.display = \"none\";\n    var avalanche = bfSimulateMultiStrategy(cards, totalMonthly, \"avalanche\");\n    var snowball = bfSimulateMultiStrategy(cards, totalMonthly, \"snowball\");\n    if (avalanche.capped || snowball.capped) {\n      \/\/ Every card's payment barely covers its interest, so the balances never\n      \/\/ meaningfully fall (no payoff within the cap). Explain rather than show\n      \/\/ an impossible timeline.\n      resultsMulti.style.display = \"none\";\n      resultsMultiMin.style.display = \"none\";\n      bfShowMultiError(\"At this total, your balances barely move \\u2014 almost all of each payment is going to interest. To make real progress, you\\u2019d need to put more toward your cards each month than the interest they build up.\");\n      return;\n    }\n    window.bfRenderMultiResults(avalanche, snowball);\n  };\n\n  window.bfRenderMultiMinimumOnly = function (result, designated) {\n    var panel = document.getElementById(\"bf-results-multi-min\");\n    var headline = document.getElementById(\"bf-multi-min-headline\");\n    var interestEl = document.getElementById(\"bf-multi-min-interest\");\n    var neverEl = document.getElementById(\"bf-multi-min-never\");\n    document.getElementById(\"bf-results-multi-total\").style.display = \"none\";\n    panel.style.display = \"block\";\n\n    if (designated) {\n      headline.innerHTML = \"Paying these amounts each month, you&rsquo;ll be debt-free in <span class=\\\"bf-key-time\\\">\" + bfFormatYearsMonths(result.months) + \"<\/span>\";\n    } else {\n      headline.innerHTML = \"Paying only the minimum on each card, you&rsquo;ll be debt-free in <span class=\\\"bf-key-time\\\">\" + bfFormatYearsMonths(result.months) + \"<\/span>\";\n    }\n    interestEl.textContent = bfFormatCurrency(result.totalInterest);\n    document.getElementById(\"bf-multi-min-payout\").textContent = bfFormatCurrency(result.totalPayout);\n    document.getElementById(\"bf-multi-min-date\").textContent = bfPayoffDateString(result.months);\n\n    if (result.neverLabels.length > 0) {\n      var lines = result.neverLabels.map(function (name) {\n        if (designated) {\n          return name + \" isn&rsquo;t covered by the payment set for it &mdash; at that amount, the balance won&rsquo;t go down, so we&rsquo;ve left it out of the totals below. The math on your other cards is shown as normal.\";\n        }\n        return name + \" isn&rsquo;t covered by its minimum payment &mdash; at that amount, the balance won&rsquo;t go down, so we&rsquo;ve left it out of the totals below. The math on your other cards is shown as normal.\";\n      });\n      neverEl.style.display = \"block\";\n      neverEl.innerHTML = lines.join(\"<br><br>\");\n    } else {\n      neverEl.style.display = \"none\";\n    }\n\n    bfSetConditionalCta(true);\n    bfScrollToResults(\"bf-results-multi-min\");\n  };\n\n  window.bfRenderMultiTotalSingle = function (result, totalMonthly) {\n    var panel = document.getElementById(\"bf-results-multi-total\");\n    panel.style.display = \"block\";\n    document.getElementById(\"bf-multi-total-headline\").innerHTML = \"Putting <span class=\\\"bf-key\\\">\" + bfFormatCurrency(totalMonthly) + \"<\/span>\/month toward your cards, you&rsquo;ll be debt-free in <span class=\\\"bf-key-time\\\">\" + bfFormatYearsMonths(result.months) + \"<\/span>\";\n    document.getElementById(\"bf-multi-total-interest\").textContent = bfFormatCurrency(result.totalInterest);\n    document.getElementById(\"bf-multi-total-payout\").textContent = bfFormatCurrency(result.totalPayout);\n    document.getElementById(\"bf-multi-total-date\").textContent = bfPayoffDateString(result.months);\n\n    \/\/ Conditional CTA: show only if the payoff exceeds 10 years.\n    if (result.months > BF_LONG_PAYOFF_MONTHS) {\n      bfSetConditionalCta(true);\n    } else {\n      bfSetConditionalCta(false);\n    }\n\n    bfScrollToResults(\"bf-results-multi-total\");\n  };\n\n  \/\/ Builds the ordered \"how it plays out\" list for a strategy: which card gets\n  \/\/ cleared first, second, and so on, with the month each one is paid off.\n  function bfPlanHtml(plan) {\n    if (!plan) { return \"\"; }\n    if (plan.length === 0) { return \"\"; }\n    var items = plan.map(function (p, i) {\n      var when = \"not paid off within the timeline\";\n      if (p.clearedMonth !== null) {\n        when = \"paid off \" + bfPayoffDateString(p.clearedMonth);\n      }\n      return '<li class=\"bf-plan-item\"><span class=\"bf-plan-step\">' + (i + 1) + '.<\/span> '\n        + p.label + \" &mdash; \" + bfFormatCurrency(p.startBalance) + \" at \" + p.apr + \"% &rarr; \" + when + \"<\/li>\";\n    });\n    return '<ol class=\"bf-plan-list\">' + items.join(\"\") + \"<\/ol>\";\n  }\n\n  window.bfRenderMultiResults = function (avalanche, snowball) {\n    var resultsPanel = document.getElementById(\"bf-results-multi\");\n    resultsPanel.style.display = \"block\";\n\n    document.getElementById(\"bf-multi-avalanche-time\").textContent = bfFormatYearsMonths(avalanche.months);\n    document.getElementById(\"bf-multi-snowball-time\").textContent = bfFormatYearsMonths(snowball.months);\n    document.getElementById(\"bf-multi-avalanche-interest\").textContent = bfFormatCurrency(avalanche.totalInterest);\n    document.getElementById(\"bf-multi-snowball-interest\").textContent = bfFormatCurrency(snowball.totalInterest);\n    document.getElementById(\"bf-multi-avalanche-payout\").textContent = bfFormatCurrency(avalanche.totalPayout);\n    document.getElementById(\"bf-multi-snowball-payout\").textContent = bfFormatCurrency(snowball.totalPayout);\n    document.getElementById(\"bf-multi-avalanche-date\").textContent = bfPayoffDateString(avalanche.months);\n    document.getElementById(\"bf-multi-snowball-date\").textContent = bfPayoffDateString(snowball.months);\n\n    document.getElementById(\"bf-multi-avalanche-plan\").innerHTML = bfPlanHtml(avalanche.plan);\n    document.getElementById(\"bf-multi-snowball-plan\").innerHTML = bfPlanHtml(snowball.plan);\n\n    var difference = snowball.totalInterest - avalanche.totalInterest;\n    if (difference < 0) { difference = 0; }\n    var diffStr = bfFormatCurrency(difference);\n\n    var framing = document.getElementById(\"bf-multi-framing\");\n    framing.innerHTML = \"Avalanche saves you the most in interest (\" + diffStr + \" less). Snowball pays off your first debt soonest, which some people find more motivating. Both get you debt-free &mdash; the best one is the one you&rsquo;ll stick with.\";\n\n    \/\/ Conditional CTA: show only if either strategy's payoff exceeds 10 years.\n    var longest = Math.max(avalanche.months, snowball.months);\n    if (longest > BF_LONG_PAYOFF_MONTHS) {\n      bfSetConditionalCta(true);\n    } else {\n      bfSetConditionalCta(false);\n    }\n\n    bfScrollToResults(\"bf-results-multi\");\n  };\n\n  \/\/ Populate the single-card minimum-method dropdown on load.\n  (function bfInitSingleMethod() {\n    var sel = document.getElementById(\"bf-single-method\");\n    if (sel) { sel.innerHTML = bfMethodOptionsHtml(); }\n  })();\n\n  \/\/ One delegated listener covers dollar fields on cards added later too.\n  (function bfInitMoneyFormatting() {\n    var root = document.querySelector(\".bf-debt-calc\");\n    if (!root) { return; }\n    root.addEventListener(\"input\", function (e) {\n      var t = e.target;\n      if (!t) { return; }\n      if (!t.classList) { return; }\n      if (t.classList.contains(\"bf-money\")) {\n        bfFormatMoneyInput(t);\n      }\n    });\n  })();\n\n})();\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Enter your balance, interest rate, and what you pay each month to see your payoff timeline, total interest, and payoff date. Fill in both a set payment and a minimum-payment method and it&#8217;ll show you the two side by side \u2014 including how many years and how much interest the difference is worth. For multiple cards, it compares avalanche against snowball and shows the order each card clears.<\/p>\n","protected":false},"author":11,"featured_media":6892,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[187,186],"tags":[],"class_list":["post-6891","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-and-debt","category-financial-wellness-tools"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Debt Payoff Calculator: See Your Timeline and Total Cost - Beyond Finance<\/title>\n<meta name=\"description\" content=\"How long will it take to pay off your credit card debt? 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