Paydown

Smart plan — avalanche by true cost, but a promo/deferred deadline overrides it when a clock is ticking. Balances are point-in-time snapshots; confirm with the bank before paying.

Card debt

$49,688.36

6 cards · 1 at 0%

Debt-free

Sep 2027

13 months on the Smart plan

Bleeding now

$652.93/mo

interest on $28,516.68 · $3,266.56 deferred (no interest yet)

Interest saved

$31,858.46

vs. paying minimums

Do this next

$500.00 → CARECREDIT REWARDS MASTERCARD (...2972)

Your most expensive live balance — 26.00% APR. Every dollar here saves the most before you touch lower-rate cards.

logs to your paydown history

Deadlines — the clock

pay each in full before its date or interest hits retroactively

$206.79

Oct 22, 2026

CareCredit promo

$538.75

Nov 20, 2026

CareCredit promo

$755.23

Dec 22, 2026

3 promos same day

$1,202.30

May 21, 2027

CareCredit promo

$563.49

Jul 22, 2027

CareCredit promo

$17,905.12

Aug 31, 2027

PNC Spend Wise Visa® (...3864) 0% → 27.49% cliff

Deferred interest — retro-charges if missed Intro-rate cliff — snaps to full APR

Your cards

ordered by Smart priority

1 CARECREDIT REWARDS MASTERCARD (...2972)
CareCredit $8,041.44
— 26.00% APR 5 deferred deadlines Edit

Snap a statement PDF or a photo/screenshot of the card's terms — it reads the APR, limit & promos for you to review before saving. Nothing saves automatically. or enter manually →

2 QuicksilverOne (...3874)
Capital One $12,345.45
— 29.99% APR Edit

3 CREDIT CARD (...8079)
Chase $5,921.41
— 25.50% APR Edit

4 Apple Card
Apple Card, Cash, and Savings $2,576.20
103% used 25.49% APR ⚠ Over limit Edit

5 Citi Simplicity® Card-6571 (...6571)
Costco Credit Card $2,898.74
— 25.00% APR Edit

— PNC Spend Wise Visa® (...3864)
PNC $17,905.12
99% used 0% intro → 27.49% cliff Edit

Snap a statement PDF or a photo/screenshot of the card's terms — it reads the APR, limit & promos for you to review before saving. Nothing saves automatically. or enter manually →

Payoff curve

Smart plan — total balance to $0, deadlines marked

now · $49,688.36Sep '27 · $0

Debt-free date (Smart)September 2027

Months to zero13

Interest saved vs. minimums$31,858.46

Extra toward debt / month$500.00

Monthly extra: $500

When this card clears

Kill CARECREDIT REWARDS MASTERCARD (...2972) and you free ~$174.23/mo you're sending to CareCredit.

That's money leaving your values every month. When it's gone, redirect the freed payment instead of absorbing it back into spending.

→ Emergency fund→ Giving→ Values investing

0% balance-transfer strategy

re-price high-APR debt to 0% once you qualify — if the fee beats the interest, we say so

Adjust assumptions

Planned liquidations

stock sales that step the payoff curve down — seeded from your plan, editable

Loans

context only — not in the card paydown plan

MORTGAGE (...5549)	$233,368.97
******3802 (...3802)	$124,459.30
2019 HYUNDAI SANTA FE (...1161)	$21,393.26
personal loan-XXXXXXX3968 (...3968)	$7,242.42
Other Loan 2732 (...2732)	$4,653.81
Klarna	$2,044.56
Total loans	$389,073.20

How Smart works: ranks by true cost (APR), but any card with a deferred-interest or intro-rate deadline gets a carve-out so it's paid in full before its date — deadlines beat rate. · Data: balances are live from your linked accounts; APR, limits & promo terms are confirmed by you above (aggregators don't provide them).