Free debt payoff tool

Credit Card Payoff Calculator

Estimate how long it may take to pay off a credit-card balance, how much interest you may pay, and what changes when you add an extra monthly payment.

No signup required
Total credit-card balance.
Annual percentage rate.
Amount you must pay each month.
Optional amount above the minimum.
Set to 0 if you stop adding debt.
Fixed is usually safer for payoff planning.

This calculator is educational and uses simplified monthly compounding. It is not financial advice and does not include fees, penalty APRs, promotional-rate changes, or lender-specific minimum-payment formulas.

Your next-action plan

  1. Enter your balance, APR, and payment amounts, then calculate.
MonthPaymentInterestEnding balance
Results will appear after calculation.

Source date: 2026-06-09. Assumptions: monthly compounding, constant APR, no late fees, no promotional APR changes. If you are behind on payments or facing collections, consider contacting a qualified nonprofit credit counselor or financial professional.