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Your Credit Cards Are Costing You More Than You Think

Most people overpay $2,400+ in interest. Senaro™ shows you the fastest way out in 60 seconds.

Add Your Cards Try Calculator

Private & Secure. Calculations run 100% on your device.

See What's Possible
$18,500 debt · 3 credit cards

38 mo.

Debt-free in

$2,450

Interest saved

14 mo.

Faster
Run Your Numbers →
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1,000+ calculations run
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How It Works

Three simple steps to debt freedom

1
Add Your Cards

Enter your credit cards with Purchase APR and Cash Advance APR separately.

Start Here
2
Choose Strategy

Avalanche (highest APR first) or Snowball (lowest balance first).

3
See Results

Instantly see your debt-free date and how much interest you'll save.

Calculator
Cash Advance Trap

Your cash advance balance could be growing while you make payments

Cash advances from ATMs, Venmo, and crypto purchases carry separate terms most people miss:

  • 29.99%+ APR, separate from your purchase rate, often buried in fine print
  • No grace period. Interest accrues from day one, not your statement date
  • Hidden balance. Your bank shows one total, not the split

Senaro™ models purchase and cash advance balances separately, so you see the real cost.

See How Cash Advances Affect Your Payoff →

Read: How I discovered $9,800 in hidden cash advance debt →

Example: $2,000 Cash Advance

At 29.99% APR with no grace period, you'd pay $600+ in interest on top, even while making minimum payments on your purchase balance.

Key Features

10% Rate Cap Simulator

Toggle the "What-If" scenario to see how a proposed 10% APR cap could impact your payoff timeline. Compare with current rates instantly.

Cash Advance Traps

Visualizes how hidden fees and higher APRs on cash advances (ATM, Venmo, Crypto) destroy your payoff timeline.

100% Client-Side

No database. No API calls. Your financial data never leaves your browser. It's the safest way to plan.