Credit Card Paydown
Track balances, utilization, and monthly payments. Data stays in this browser only — no card numbers or bank logins stored.
Overall
Total credit limit
$0
Total balance
$0
Total available
$0
Overall utilization
0%
Payment strategy
Focus first on cards with the highest utilization (especially any over the limit), while still paying at least the minimum on every card each month.
- Credit One — urgent: balance is over the credit limit. Bring this under the limit first.
- Navy Federal — nearly maxed (~99%). Highest-dollar pressure after Credit One.
- PenFed — nearly maxed (~97%). Next high-utilization target.
- Capital One Quicksilver #2, then #1 — lower limits; clean these up after the urgent accounts stabilize.
Suggested monthly splits below follow this order. Always keep minimums current on all cards.
Monthly payment planner
| Card | Suggested | New balance | New util |
|---|---|---|---|
| Enter a monthly amount to see a suggested split. | |||
Your cards
Payment history
No payments recorded yet.
Only card nicknames, limits, balances, and payment amounts are saved in localStorage. No full card numbers, passwords, bank accounts, or SSN.