No Fibs — Honest Limitations
This is a simplified simulation: interest accrues monthly, minimums are assumed fixed, and it knows nothing about your real statement dates, grace periods, or promotional rates. Avalanche (highest rate first) minimizes interest mathematically; snowball (smallest balance first) trades math for motivation — both are legitimate. If minimum payments don't cover interest, no simulator can save the account: that's a credit-counselor situation. Your list saves only in your browser.