Your debts
One row per debt: what you owe, the APR (interest rate), and the minimum monthly payment from your statement.
On top of all the minimums.
Your two plans
Both plans pay every minimum every month. The difference is only where the extra money — and each freed-up payment — goes first.
Your numbers are saved only in this browser, on this device — nothing is sent anywhere. This calculator assumes fixed rates and on-time payments; it is a planning tool, not personal financial advice.