See Exactly What Your
Debt Is Costing You.

Minimum payments were designed to keep you paying for years. This calculator shows you the real numbers and what changes when you pay just a little more.

The Real Math

This Is What Minimum Payments
Are Actually Costing You

Real example. $5,000 balance at 22% APR. This is what the bank knows and what they're counting on you not to.

$5,000 Credit Card Balance · 22% APR · Same Budget. Wildly Different Outcomes.

😰 Minimum Only

Monthly Payment

$100

Minimum payment only

Time to Pay Off

9+ Years

That's 108+ monthly payments

Total Interest Paid

$6,432

More than the original balance

🎉 Smart Payment

Monthly Payment

$175

Just $75 extra per month

Time to Pay Off

2.8 Years

Over 6 years faster

Total Interest Paid

$1,458

Dramatically less interest

Your Total Savings

$4,974 + 6 Years of Freedom

That's money back in your pocket not the bank's.

Banks set minimums low on purpose. They make more money when you stay in debt longer. The calculator shows you exactly what your numbers look like and what happens when you change them.

What's Inside

Everything You Need to See
Your Real Payoff Picture

  • Your Exact Payoff Timeline

    Enter your balance, interest rate, and payment. See exactly how many months until you're free and how fast that changes when you add more.

  • Total Interest You'll Pay

    See the real cost of staying in minimum payment mode. Most people have never seen this number. It changes how you think about every payment.

  • Side-by-Side Comparison

    Minimum payment vs your proposed payment shown side by side so you can see the difference at a glance. No math required.

  • Visual Payoff Dashboard

    Charts that show your debt dropping over time. Seeing the line go down is motivating in a way numbers on a page never are.

  • Your Own Personal Copy

    Delivered as a Google Sheet you copy to your own Drive. Your data stays private. No logins. No subscriptions. Yours to keep.

20+

Years Lending

10K+

Reports Reviewed

Zero

BS Gimmicks

I'm Lisa.

Former Loan Officer · Underwriter · Board Certified Credit Consultant

For over 20 years I sat on the other side of the desk making lending decisions. I reviewed thousands of credit files and I know exactly what gets people approved and what gets them denied.

I didn't learn this from the internet. I learned it from inside the lender's chair.

Lender Truth

The minimum payment trap is real and it's intentional. I built this calculator because I watched people sit across from me at the lending desk stressed, confused, doing everything they were told and still getting denied. Seeing your real numbers changes everything. You can't fix what you can't see.