Credit Card Payoff

Credit card interest compounds monthly against whatever balance remains. Enter your balance, rate, and payment to see the finish line, then try a higher payment to see how far it moves.

This calculator is provided for informational and educational purposes only. The results are hypothetical, are based solely on the figures you enter and the assumptions stated on this page, and do not account for taxes, fees, or your individual circumstances unless specifically noted. They are not a projection or a guarantee of future results, and they are not tax, legal, or accounting advice. Nothing on this page is an offer or a solicitation to buy any product. Please consult a qualified tax or legal professional about your situation. Nothing you enter is transmitted or stored. All figures remain in your browser and are cleared when you close this page. This calculator assumes no additional purchases on the card, a fixed interest rate, and a fixed monthly payment. Card issuers may apply payments and calculate interest differently, and minimum payments typically decline as the balance falls, which lengthens the payoff considerably.