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 Jun 2028
Total interest
$998
Vs. snowball
−$572
You save $572 staying on avalanche
You're at risk of losing your 0% APR on Card 2 — balance remaining on Oct 13, 2026: $1,640
Card
Payoff date
Interest paid
Card 1
Mar 2028
$998
Card 2
Jun 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