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Free Debt Consolidation Quote

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Credit Card Optimizer Calculator

Are you looking to streamline your debt payoff strategy? The Credit Card Optimizer Calculator helps you compare your payment options side-by-side. Enter your information to see projections for the payoff timing and the best approach for managing multiple balances. One strategy is to leverage a new, low-interest credit card to reduce the amount you’re paying on interest costs each month. Rolling other credit card balances into this new card can accelerate your timeline to becoming debt-free. As you adjust the numbers, you’ll see that even the smallest improvements in interest rates and monthly payment can have a significant impact.

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National Debt Relief LLC

Credit Card Optimizer Calculator

The Credit Card Optimizer helps you determine the best distribution of your credit card debt. By entering your credit card balances, rates and credit limits this calculator determines which balance transfers will produce the greatest savings.

National Debt Relief LLC
180 Maiden Lane, 30th Floor
New York, NY

Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

This calculator gives you an overview of 1) what your current credit card payments and interest costs look like, and 2) how to speed up your payment schedule by using a new, low-interest card. Start by entering all your credit card balances in the existing credit card lines, including the credit card rate, limit, and monthly payment. The calculator will show your optimized balance and the monthly payment on each of these cards. Most people are surprised to see how much they’re spending on interest costs. When the balances are spread out over multiple cards, the costs start to add up quickly.

Next, compare the financial details when a new low-interest card is used. Many credit card companies offer competitive terms for new lines of credit, with an option to roll the balances from other cards. This strategy buys time so you can pay the balance quicker by reducing the amount of money that goes toward interest costs each month. Compare the payment timeline and optimized details by entering different interest rates and distribution of the balances on the cards. When you calculate the numbers, the graph shows the difference between your current interest burden over the payment timeline and the optimized strategy that can save thousands of dollars over time. Leveraging low-interest options can save you a substantial amount of money.

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