Credit Card Payoff Calculator
See how long it takes to clear a card balance at a fixed monthly payment — and how much of that goes to interest. Change the payment to watch the payoff time and interest move.
Credit Card Payoff Calculator
Assumes a fixed monthly payment and a constant APR, with no new charges added to the balance. Estimate only — your issuer’s daily-balance method and compounding will differ.
Carrying a balance you want to move?
A 0% intro APR card can cut the interest on an existing balance. Run the numbers with the balance transfer savings calculator, or take the quiz to find your match among 0% APR and balance-transfer cards.
This calculator is for general education, not financial, legal, or tax advice. Results are estimates based on the numbers you enter and standard month-by-month amortization; your actual interest depends on your issuer’s balance-calculation method, compounding, and the exact APR, fees, and terms of your card, which vary by issuer. Confirm current numbers with your card issuer before making a decision. ClearValue Cards earns compensation solely through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool.