Credit card payoff calculator
Enter your balance, APR, and the fixed monthly payment you can make. We will show how long it takes to pay off and the total interest cost.
What the payoff calculator reveals.
The minimum payment is designed to keep you paying for years while interest piles up. This calculator cuts through that: enter your balance, the card's APR, and a monthly payment you can manage, and it shows how long the payoff really takes and how much interest you hand over along the way.
The encouraging part is how quickly a little extra helps. Adding even a modest amount above the minimum each month can cut months or years off the timeline and save a real chunk of interest, because more of every dollar goes to the balance instead of the finance charge. Treat it as a planning guide, since new purchases or a missed payment will change the path.