Credit Card Payoff Calculator
Estimate how long to pay off a credit card balance and total interest at your monthly payment and APR.
Credit card balance
Paid off in
33 months
2 yr 9 mo
33
Months to pay off
$1,521.02
Total interest
$6,521.02
Total paid
Simulates month-by-month payments with interest applied before principal. Minimum payment must exceed monthly interest to reduce the balance.
What the tool does
Credit Card Payoff Calculator estimates how long payoff takes and how much interest accrues at your payment amount and APR.
How to use it
- Enter balance, APR, and monthly payment.
- Review months to pay off and total interest.
- Try higher payments to see interest savings.
Supported formats
- Card balances, APRs (%), monthly payments
Privacy & security
This tool runs entirely in your browser. Your data never leaves your device — nothing is uploaded to our servers.
FAQs
- Why is interest so high?
- Card APRs compound on revolving balances. Paying only a little above interest extends payoff for years.
- Does this include new charges?
- It models paying down an existing balance assuming no new spending unless you add that yourself.
- Are balances stored?
- No.