Minimum Payment Calculator
See how long a balance can last if you only pay the minimum, then compare it with a fixed extra payment.
Minimum only
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With extra payment
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Estimated savings
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Rule of thumb
- If new spending is above $0, payoff math can break. Stop new charges first.
- Even a small fixed extra payment usually cuts months and interest.
Estimate only. Issuers may calculate minimum payments differently and late fees or penalty APRs are not included.