Cardinate, credit card tracker and debt payoff planner
Free calculator

See exactly when you'll be debt free.

Add your cards, hit calculate, and see the payoff date and total interest. Toggle between Avalanche and Snowball to compare. No login. No saved data.

Multi-card payoff calculator

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Strategy
Months to debt-free
24 mo
Debt-free by Nov 2028
Total interest
$962
Vs. snowball
−$495
You save $495 staying on avalanche
$1,640 will still be on Card 2 when its 0% ends on Mar 2, 2027.
Card
Payoff date
Interest paid
Card 1
Jul 2028
$962
Card 2
Nov 2028
$0

Want Cardinate to track all of this automatically, and alert you before your promos expire?

Connect your cards once. Cardinate watches balances, utilization, and every 0% APR deadline so nothing snaps back without warning.

No credit card required. Takes 2 minutes to set up.

Calculations are estimates for educational purposes only and do not constitute financial advice. Actual payoff timelines, interest charges, and credit outcomes may vary.

FAQ

Frequently asked questions

Yes. It's free, requires no login, and nothing you type is saved or sent anywhere. All math runs in your browser.

Avalanche pays the highest-APR card first and saves the most interest. Snowball pays the smallest balance first to build momentum. The calculator shows both totals so you can pick.

If you enter a promo end date, the calculator treats the card as 0% APR until that date, then snaps to the APR you entered. If a balance remains when the promo ends, you'll get a red warning showing how much will start accruing interest.

No. Inputs live only in your browser tab. Close it and everything is gone: no account, no tracking of card details.