Credit Card Payoff Calculator

How long until your credit card is paid off — and how much extra payments save you.

Balance ($):

APR (%):

Monthly payment ($):

How to use

Enter balance, APR, and monthly payment, then click Calculate.

Why does it take so long with minimums?

Minimums are often ~2% of the balance, so most of the payment goes to interest and the principal barely shrinks.

How much faster is an extra $100/month?

On a $5,000 balance at 22% APR, an extra $100/month can cut payoff from ~9 years to ~2.5 years.

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