Credit Card Payoff Calculator
How long to clear a card balance, and the interest it costs.
—Time to pay off
—Total interest
How it works
Simulates paying a fixed amount each month against a balance that accrues monthly interest (APR ÷ 12). It counts the months to reach zero and totals the interest you'll pay. If the monthly payment doesn't cover the interest, the balance never falls — the tool warns you. A powerful nudge to pay more than the minimum. Not financial advice.