The True Cost of Debt Simulator

See exactly how much minimum payments really cost you over time. Enter your balance and interest rate to reveal the shocking long-term impact of minimum payments.

How It Works

1. Enter your current debt balance and interest rate
2. Set your minimum payment percentage and floor amount
3. See the total cost, time to payoff, and year-by-year breakdown
4. Compare with extra monthly payments to see potential savings

Example: A $5,000 credit card at 22.99% APR with 2% minimum payments will cost over $12,000 and take 18+ years to pay off.

Payoff Calculator | Debt Stress Score