Borrow · Credit card payoff
Credit card payoff calculator
See how a monthly payment and an extra amount could change the time and interest in a fixed payoff scenario.
Scenario inputs
Change the assumptions.
- Card balance
- APR (%)
- Monthly payment
- Extra each month
Open the interactive calculator to enter values. Calculations run in your browser. Editing inputs does not change the page URL. Share calculation includes your inputs after # in the shared link. This URL fragment is not sent in the page HTTP request. Anyone with the link can read its values. Avoid sharing sensitive financial information.
How it works
The payment changes the calendar.
The estimate applies the APR monthly, then subtracts the fixed monthly payment until the balance reaches zero. The optional extra payment is added to that monthly amount.
This is a fixed-payment illustration, not debt advice. It does not model new charges, promotional APRs, late fees, minimum-payment formulas, or issuer-specific rules.
Common questions
Before you use the number.
What payment is used?
The calculator adds the monthly payment and the optional extra amount, then uses that combined amount for the payoff scenario.
What if the payment does not cover interest?
The calculator flags the scenario as not reaching payoff because the payment is not reducing the balance under the selected APR.
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