How long to pay off any loan - or the exact payment to hit your target date.
Balance 12,000 at 9.5% APR, paying 300/month:
The balance never falls - the tool warns you. Raise the payment until it covers the interest plus some principal.
Avalanche pays the highest-rate debt first (cheapest overall); snowball clears the smallest balance first (fastest motivation).
Yes - treat the balance as fixed. Card minimum payments of 1-3% of the balance can stretch a debt for decades, which this tool makes obvious.
Even small increases cut months and interest. Try your payment plus 50 and compare the payoff time.