There is an app. It's called you brain. If paying multiple cards, with either the avalanche or snowball method its minimum balance on all except for 1 card where you make all the payment you can regardless of minimum.

There isn't any math to do or worry about. The only info you need are either balances, for snowball method, or interest rates for avalanche method.

It seems like you are just struggling with how to implement the program because they are very straightforward.

No need for an app / calculator for this.

1. Set all 5 cards to make the minimum payments.

2. Get all of the interest rates (if doing avalanche method) or balances (if doing snowball method).

3. Throw all of your extra money on the card with the highest interest rate (if avalanche) or lowest balance (if snowball).

You may find these links helpful:

• Credit Building
• Credit Reports
• Credit Scores
• Credit Cards

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