These reflect the strategy you select below. Every figure is a projection — you choose the approach.
The numbered order on the left shows which card this strategy clears first. Zowly displays the order and the math for each approach — you decide which to follow. Switching strategies re-numbers the cards and updates the totals.
With several cards, combining them can lower the interest you pay — or cost more, once fees and longer terms are counted. Zowly displays all three paths side by side using your real numbers. You decide.
Zowly is a financial calculation and education tool. We are not a licensed financial advisor, broker, or lender. Nothing in Zowly constitutes financial, investment, tax, or legal advice. All numbers Zowly displays are projections based on the information you enter — they are not guarantees of any outcome. Always consult a qualified financial professional before making major financial decisions. Bank connections on the paid plan are secured by Plaid Inc. Zowly never has access to your banking credentials or the ability to move your funds.