Credit Cards Payoff Calculator

Monthly Budget Set Aside for Credit Cards ($): Payoff Method: Debt Avalanche (highest APR first) Debt Snowball (smallest balance first)

To enable “Excel (with Charts)”, place a template file named credit_cards_chart_template.xlsx in the same folder as this page. See code comments for how to create it once.

Total Balance Over Time

Interest vs. Principal (Monthly)

Income Tax Calculator

Tax Year: 2024 (file in 2025) 2025 (file in 2026) Filing Status: Single Married Filing Jointly Head of Household Total Income ($): Deductions ($): Tax Credits ($):

📊 Amortization Calculator

Compare normal vs. extra payments payoff

Loan Details

Loan Amount ($) Interest Rate (% annual) Loan Term (months) Extra Monthly Payment ($)

Summary Comparison

Scenario	Monthly Payment	Total Paid	Total Interest	Payoff Time

Balance Comparison Over Time

Amortization Schedule (with extra)

#	Payment	Principal	Interest	Balance

Why Compare?

The blue curve shows how long it takes to pay off your loan with the standard monthly payment. The green curve shows how extra payments shorten the payoff time and reduce total interest.