Cedar Card
RevolvingRewards Visa
Current balance
$7,600
Minimum payment
$265
Interest rate
21.99%
Status
Active
Debt & Mortgage
Obligations that already claim your future cash. See the burden, the duration, and what extra payment changes.
Total debt
$268,600
3 active obligations
Minimum you owe each month
$2,310
Northstar Mortgage · $1,680
Mortgage balance
$246,800
Northstar Mortgage
Interest you'll still pay
$156,945
1 revolving · 1 installment
Mortgage
Northstar Mortgage
Primary home
Current balance
$246,800
Minimum payment
$1,680
Interest rate
5.35%
Paid off by
April 2046
Time left
20 years
Interest you'll still pay
$155,058
Extra payment scenario
Add $400/month, save $49,818 in interest, and finish 5.8 years earlier.
Current schedule
April 2046
With extra payment
June 2040
Debt pressure
When debt stops claiming future cash
This shows when your payments start disappearing.
You're debt-free on
April 2040
First payment that disappears
October 2029
When all debt is gone
April 2040
Money freed each month
$2,310
These dates assume I only pay the minimum.
Cedar Card ends around October 2029 and gives back $265 each month.
Other obligations
Everything outside the primary mortgage card still belongs here: revolving balances, installment loans, and closed obligations you want to keep visible.
River Auto Loan
InstallmentSubaru Forester
Current balance
$14,200
Minimum payment
$365
Interest rate
6.80%
Paid off by
January 2030