Credit Card Payoff Calculator
Find out how long it will take to pay off your credit card and how much interest you will pay — free online. — free, fast and private.
How to use Credit Card Payoff Calculator
- Enter your card balance and annual interest rate (APR).
- Enter the fixed amount you will pay every month.
- Click Calculate Payoff to see the months to debt-free and total interest.
Note: this tool runs in your browser. Nothing is uploaded.
Disclaimer: this tool gives an estimate for general information only. It is not financial advice. Talk to a qualified financial adviser before making any financial decision.
Frequently Asked Questions
Why does a small payment take so long to clear a card?
Because interest is charged on the remaining balance every month. If your payment only just covers the interest, almost nothing reduces the balance. Paying more than the minimum — even a little extra — cuts the total interest sharply.
Is this tool free to use?
Yes, it is 100% free with no sign-up. Your data stays in your browser.
Is my data uploaded or stored?
No. This tool runs entirely in your browser — nothing you enter is uploaded to a server.
Can I use it on my phone?
Yes, it is fully mobile-friendly and works in any modern browser on phone, tablet or computer.