Do you know what your credit card debt
is really costing you?

Pay Down calculates the true cost of every credit card purchase after interest — and gives you free calculators to plan your way out of debt.

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The credit card debt app that does the math

Pay Down breaks down interest purchase by purchase, so you can see exactly where your money is going — and plan a way out.

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Pay Down

See the true cost of every credit card purchase after interest. Free payoff, balance transfer, and minimum payment calculators. Available on iOS and Android.

Learn More Credit card interest, explained
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Free Calculators

See what a credit card purchase really costs after interest — no signup, no download. Start with the True Cost Calculator.

True Cost Calculator Balance Transfer Calculator Debt Consolidation Calculator Minimum Payment Calculator Mortgage Calculator Average Daily Balance Calculator

Featured Story

"Most people know carrying a balance is expensive. Almost no one knows what each purchase actually costs them. Six months of per-purchase tracking taught me more about my spending than a decade of statements."

I Tracked the True Cost of Every Purchase for 6 Months — Here's What Changed

Read the story →

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