Choice Compass

Every action is a seed. Wheat seed gives wheat, but the harvest depends on the season. Lay out your options, see the likely crop of each, then choose.

Card payoff: two seeds side by side

Balance ($)Interest per year (%)Seed A: pay per month ($)Seed B: pay per month ($)

Crop A: 47 months, about $1,627 in interest
Crop B: 19 months, about $602 in interest
Difference: $1,025 kept and 28 months sooner

Plain arithmetic, not financial advice.

Your decisions stay on this phone. S2S gives arithmetic and evidence, not financial, legal or medical advice.