Credit Card Payoff Calculator

See how long it takes to clear a credit card and what it costs in interest — or how much to pay each month to be done by a chosen date.

See how long a credit card takes to clear and what the interest costs. Enter the balance and APR, then either set a monthly payment to find the time, or set a target date to find the payment you need.

Read the guide: How Long Will It Take to Pay Off Your Credit Card?

Your card

Solve for

Time to clear it

2 yr 8 mo

Paying $250.00/mo

Total interest
$1,979
Total paid
$7,979

Assumes no new charges and a fixed payment each month. Estimates for planning only, not financial advice.

How it works

  1. 1

    Enter the card

    Add the balance and the card’s APR.

  2. 2

    Choose what to solve for

    Set a monthly payment to find the time, or a time to find the payment.

  3. 3

    See the cost

    View the months to clear it and the total interest paid along the way.

Instant & 100% private — nothing is uploaded

Every calculation runs locally in your browser. The income, balances and goals you enter stay on your own device and are never sent to a server — nothing is stored, logged or shared.

Frequently asked questions

Why do small payments cost so much?
At high card APRs, a low payment barely beats the monthly interest, so the balance falls slowly and interest piles up. Paying more each month cuts both the time and the cost sharply.
What if my payment never clears the card?
If the payment is below the first month’s interest, the balance can never fall. The calculator flags this so you know to raise the payment.
Why does paying only the minimum take so long?
The minimum is often a small percentage of the balance, barely above the monthly interest, so the balance drops very slowly. A fixed larger payment each month clears the card far faster and costs much less.

Important

For information and planning only — not financial, tax or legal advice. These figures are estimates; rates, fees and rules vary, so confirm anything that affects a real decision with a qualified professional or the official source.

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