Credit Card Payoff Calculator
See how long your balance will take to clear, what the interest really costs — and how much paying a little extra each month saves you.
Time to Debt-Free
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Total Interest Paid$0
Total Paid$0
With Extra Payment: Debt-Free In—
Interest Saved by Paying Extra$0
Credit card interest compounds monthly at APR/12 on the remaining balance. If your payment barely covers the interest, the balance almost never shrinks — the calculator warns you when that happens. Paying just the minimum on a typical card can take 15+ years; a balance transfer at 0% intro APR can accelerate payoff if the fee is under the interest saved. Estimates only.