Project how long it takes to clear a balance with a fixed monthly payment in New York.
Shows how long a fixed monthly payment clears a New York balance at its interest rate, plus the total interest paid. Increasing the payment dramatically shortens the timeline.
Simulation
Monthly balance = balance × (1 + r) − payment until $0
Estimate — assumes a fixed payment.
Avalanche (highest APR) costs less; snowball (smallest balance) keeps motivation. Both beat minimum payments.
Rates are approximate reference values. Local rates, exemptions and rules can differ, so treat the output as a planning figure only.