Credit Card Payoff Calculator
Calculate how long it will take to pay off your credit card balance.
$
%
$
Warning: Payment is too low to cover interest! Balance will grow.
Time to
Pay Off
(Approx years)
Required
Monthly Payment
Total Principal:
Total Interest Cost:
Total to Pay:
Features
- Two modes: Calculate payoff time OR calculate required monthly payment.
- Alerts if monthly payment is insufficient to cover interest.
- Shows total interest cost over the life of the debt.
How to Use
- Select calculation mode (Time vs Payment).
- Enter your current credit card balance and APR.
- Enter either your planned monthly payment or your desired payoff timeline.
- View the results and total cost analysis.