Credit Card Payoff Calculator

Find out how long it takes to pay off a credit card balance and how much interest you will pay. Enter your current balance, the card's annual APR and the monthly amount you plan to pay.

Tool Features

• Estimate months until the balance is zero
• Show total interest paid over the payoff period
• Reveal the cost of only paying the minimum
• Responsive design for mobile and desktop
• No registration or software installation

Common Usage

• Plan a debt-free date you can actually hit
• Compare "pay $200 vs $300 a month" outcomes
• See how a lower APR shortens the payoff
• Motivate a payoff plan with a real interest number