Debt payoff
Credit Card Payoff Calculator
Compare a fixed monthly payment against an estimated minimum-payment path to see payoff time, interest, and potential savings.
Payoff datefixed payment timeline
Interest costestimated total interest
Savingsvs minimum payments
Fixed-payment payoff time
0 months
Total interest$0
Total paid$0
Interest saved vs minimum$0
Time saved vs minimum0 months
Enter your card balance, APR, and planned payment.
Payoff schedule
| Month | Payment | Interest | Balance |
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How this calculator works
The calculator applies monthly interest to the card balance, subtracts the payment, and repeats until the balance reaches zero. The minimum-payment comparison uses the greater of the entered percentage of balance or the minimum floor, capped at the remaining balance plus interest.
Credit card issuers may calculate interest, grace periods, fees, promotional rates, and minimum payments differently. This calculator is an estimate for planning, not financial advice.