Credit Card Payoff Calculator
Estimate payoff time and interest for a fixed monthly credit card payment.
$
%
$
Months to pay off
34
Total interest$1,749.88
Total paid$6,749.88
Estimated years2.83
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How the calculation works
This calculator applies the standard formula below to the values you enter. Results update instantly in your browser—nothing is submitted to a server.
Formula
Each month: new balance = balance + monthly interest − payment.
Worked example
A larger payment shortens payoff time and reduces total interest.
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Frequently asked questions
Is this credit card payoff calculator free?
Yes. It works instantly in your browser with no signup.
Are the results exact?
Results follow the stated formula, but real-world fees, timing, and rounding can vary.
Results are estimates for informational purposes and are not financial or professional advice.