STEP 1: Enter your credit card information

You can get your credit card principal and the Annual Percentage Rate (APR) for your account from your credit card account statement(s)/website(s), or just take your best guess.

Credit Card Principal Balance Interest Rate
(Annual Percentage Rate)
+ Add another card
- Total Principal Balance
- APR (Weighted Average)
Based on the information you provided,
the estimated combined minimum monthly payment for your card(s) is:
This estimated payment amount assumes that each credit card shown has a minimum monthly payment that includes 1.0% of principal plus accrued interest at the weighted average APR (with a minimum monthly payment of $25). Interest is calculated using the weighted average APR and a 360-day year consisting of twelve 30-day months. The weighted average APR takes into account the inputted credit card balances and APRs.

STEP 2: Select your credit score range

If you don’t know your credit score just take your best guess.

Swell isn't currently available

for your selected credit score range.

Check out the resources below about how to give your credit score a boost.

How to Improve Credit Fast


STEP 3: Pay a little bit extra each month


One way to crush your credit card debt faster (and pay less interest) is to pay more than the minimum payment each month - every extra dollar you add reduces your principal balance.

The estimated minimum monthly payment with your existing credit cards is:

How much extra can you pay toward your credit card balances each month?