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.

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.

Available on Google Play iOS coming soon

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

Free in your browser

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