Payoff time
3y 6m
Total interest
$4,770
With extra payment
2y 7m
Paying an extra $100/month clears this debt about 11m sooner and saves roughly $1,320 in interest.
Tip: paying highest-interest debts first (avalanche) minimizes total interest; smallest-balance first (snowball) builds momentum.
How to use it
Enter your balance, interest rate, and monthly payment to see your payoff date and total interest. Add an extra monthly payment to see how much sooner you finish and how much interest you save.
How OptiAI helps
OptiAI tracks your debts alongside your net worth and goals, so paying them down visibly moves the rest of your financial picture — and an AI assistant can help you plan the order.