Credit Card Payoff Calculator
See how long it'll take to clear your card — and how much interest you'll pay along the way.
You'd be debt-free in
Enter your balance, APR and a monthly payment — or set a target payoff date.
How it works
We use your card balance, APR and monthly payment to estimate exactly when you'll be debt-free and how much interest you'll pay getting there.
You can use it two ways:
- Fixed monthly payment: tells you how long the card will take to clear.
- Target payoff date: tells you how much you'd need to pay each month to hit that date.
In general, higher monthly payments = faster payoff = less interest paid overall. Even small increases above the minimum payment make a big difference because more of every payment goes to the balance instead of interest.