Credit Card Payoff Calculator

See how long a fixed monthly payment may take to pay off a balance and compare the effect of an extra payment.

Current balance

APR (%)

Monthly payment

Extra monthly payment

—Months to payoff

—Total interest

—Total paid

—Estimated payoff date

—Fixed-payment estimate

Estimate only. Actual cards may use daily balances, changing APRs, fees, minimum-payment rules, and other terms. This calculator does not model new purchases.

How to use this Credit Card Payoff Calculator

Estimate credit card payoff time and interest from balance, APR, and monthly payment. Enter your values above and the result is calculated directly in your browser. No account is required.

Fast answer, clear inputs

This tool is built around one job: give the answer quickly without forcing a signup or hiding the result. Related tools are linked nearby when the next calculation or conversion is useful.