Credit Card Payoff Calculator
See how long a card balance takes to clear at a fixed payment.
Runs in your browser. Nothing is uploaded — your input is processed on this device and discarded when you close the tab.
Credit Card Payoff Calculator
How to use this tool
- Enter the card balance and the annual rate.
- Enter the fixed monthly payment you plan to make.
- Press Generate to see months, interest and total paid.
Worked example
A balance of 5,000 at 18% a year with a fixed payment of 200 takes 32 months to clear, with total interest of 1,313.96 and total paid of 6,313.96.
What this tool does not do / Limits
This is an estimate only and is not financial advice. It assumes a fixed rate, a fixed payment, no new spending, no fees and no missed payments, and the final payment is smaller than the regular payment.
Frequently asked questions
What if my payment only covers the interest?
Then the balance never falls and the tool reports that it cannot clear it. Raise the payment above the first month's interest to make progress.
Does the rate stay fixed?
Yes, the whole plan uses the rate you enter. A variable rate would change the months and interest in real life.
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