Credit Card Payoff Calculator

See how long it takes to pay off your credit card balance

Current Balance ($)

Annual APR (%)

Minimum Payment Type

Minimum Payment (%)

Extra Monthly Payment ($)

Enter details to see payoff timeline

About

Simulates month-by-month payoff. Each month: interest accrues (balance × APR/12), then your payment is applied. Making even small extra payments can save thousands in interest.