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Credit Card Payoff Calculator
See how long it takes to pay off your card — and what it really costs.
Enter your details
Results
Months to Pay Off
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Total Interest
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Total Paid
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How to use the Credit Card Payoff Calculator
Enter your balance, APR and the amount you pay each month to see your debt-free date and total interest.
Frequently Asked Questions
Minimums are often ~2% of the balance, so most of the payment covers interest and the balance barely shrinks.
The balance grows forever. The calculator shows this — you must pay more than the monthly interest charge to make progress.