Free Credit Card Payoff Calculator
How long — and how much interest — to clear a balance.
About the Credit Card Payoff Calculator
Free credit card payoff calculator. Enter your balance, APR and monthly payment to see how long it takes to pay off and how much interest you'll pay — and get warned if the payment is too low to make progress. Runs in your browser.
How it works
- 1
Enter your balance
And the card's APR.
- 2
Set a payment
What you pay each month.
- 3
See the payoff
Time, interest and total.
Frequently asked questions
If your monthly payment is less than the monthly interest, the balance grows instead of shrinking. Pay more than the interest to make progress.
Yes — even a small increase over the minimum can cut months or years off the payoff and save a lot of interest.
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