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Alexleft a comment
Hey PH! I'm Alex. A few years ago, I was carrying $80K across 7 credit cards. COVID, family health, life — it adds up fast. I never missed a payment in two decades, but I was burning $1,400/month in interest alone. I was throwing extra cash at whichever card "felt" right, with zero math behind it. So I did what any developer does: I opened Excel. But for 7 cards with different APRs and complex...
SenaroFree credit card payoff calculator + cash advance tracking
Add your credit cards and see how extra payments change your debt-free date. Most calculators treat each card as one APR — Senaro tracks purchase and cash advance rates separately, because that's how banks actually charge you. Compare Avalanche vs Snowball strategies side by side with your real numbers, see exactly how much interest you'll save, and get a month-by-month breakdown of where every dollar goes. No signup. No data collected. Everything runs on your device.
SenaroFree credit card payoff calculator + cash advance tracking