If you have multiple credit cards, or just multiple debts that you pay each month, you can use this tool to help figure out how long your repayment will be. You can change the interest rates (our Debt Management Program usually helps you get lower interest rates) and you can also change the amount you pay each month. Changing these variables will help show how you can speed up your repayment with various strategies. Note: This flash-based tool may not be compatible with your mobile device or tablet. If you have trouble viewing it, return to our main tools page to try a different tool or calculator.