Now run both methods all the way out.

Choose a method.The calculator will use the same $350 monthly budget, fixed minimums, APR ÷ 12 monthly interest, and no new charges.

The math matters. So does whether the plan survives you.

So what does that change on your next money decision?

HONEST LIMIT: This is a classroom model. Real cards may use different minimum-payment formulas and daily interest calculations.