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    Debt-Stacking Planner

    Decide which debt to attack this month based on what actually moves the needle: 0% promos about to expire, utilization that's killing your score, or interest rate.

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    Your stack this month

    Pay every minimum, then put your $200 extra on the top card below. Total minimums: $255.

    1. #1 — attack this
      Chase 0% promo
      Promo ends in 6 mo — clear before APR jumps
      Pay this month
      $275
      Statement in 24d
    2. #2
      Citi
      High utilization (81%) is dragging your score
      Pay this month
      $130
      Statement in 17d
    3. #3
      Capital One
      High utilization (60%) is dragging your score
      Pay this month
      $50
      Statement in 4d

    Important disclaimer

    The projections, estimates, and recommendations shown by these tools are for informational and educational purposes only. They do not constitute financial, legal, tax, or investment advice.

    Calculations are based on the information you provide and make simplified assumptions (for example, fixed APRs, no additional fees, and no new charges). Your actual payoff dates, interest costs, and terms may differ based on your lender's specific policies, variable rates, fees, and how you use your accounts.

    Before acting on any payoff plan, balance transfer, or credit strategy, please consult a qualified financial professional or credit counselor. AnyCreditWelcome.com is not a lender, creditor, bank, or licensed financial advisor.

    Frequently asked questions

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    Educational tool, not financial advice.

    All calculators and projections are for informational purposes only and do not constitute financial, legal, or tax advice. Estimates are based on the numbers you enter and may differ from your actual terms, fees, and interest calculations. Please consult a qualified financial professional before making credit or debt decisions. AnyCreditWelcome.com is not a lender, creditor, or licensed financial advisor.