Credit Card Payoff Calculator
See how long a card balance takes to clear.
Escape the minimum-payment trap
Paying only the minimum stretches a balance for years because most of it goes to interest. This shows how many months a fixed payment takes to clear a balance at a given APR, and the total interest that costs.
The lesson is stark: paying a little more than the minimum can cut years and hundreds in interest, because every extra dollar attacks principal instead of feeding the balance.
An estimate
Cards compound daily and rates can change, so real timelines shift. Your balance and rate stay on your device and are never uploaded.
Frequently asked questions
How long does the default example take to pay off?
A $6,500 balance at 22.9% APR with $350 a month clears in 24 months and costs $1,602.29 in interest, for $8,102.29 paid in total.
Why does it say "Payment too low"?
Your payment does not cover the first month's interest (balance × APR ÷ 12), so the balance would never shrink. At $6,500 and 22.9%, any payment at or under $124.04 is too low.
Does it assume new purchases on the card?
No. It assumes you stop using the card and pay the same amount every month. New charges, late fees, or a promotional APR ending would all change the timeline.
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