💳 Credit Card Payoff Calculator
Calculate how long it takes to pay off your credit card and how much interest you'll pay.
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Months to Payoff
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Total Interest
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Total Paid
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Estimated Payoff Date
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Credit Card Payoff Calculator
See exactly how long it will take to pay off your credit card and how much interest you'll pay. Compare fixed monthly payments vs. minimum payments.
Frequently Asked Questions
How is monthly interest calculated?
Monthly interest is calculated as: Balance × (APR / 12 / 100). The interest compounds monthly.
What happens with minimum payments?
With minimum payments, most of your payment goes to interest. You could pay 2-3× the original balance in interest alone.
Should I pay more than the minimum?
Yes! Even small additional payments can save thousands in interest and years of payments.