Credit Card Payoff Calculator
Time, interest & the power of paying extra
Stuck on a credit-card balance? Enter what you owe, the APR and your monthly payment to see how long it'll take, the total interest, and how much an extra payment each month would save you.
Why the minimum keeps you stuck
Credit cards carry high APRs, so at the minimum payment most of your money goes to interest and the balance barely moves — payoff can stretch for a decade or more. The fix is paying more than the minimum: add an extra amount each month above and watch the payoff time and interest collapse.
Got several cards?
Pay the minimum on all of them, then throw every spare dollar at the highest-APR card first (the avalanche method) to minimize interest — or the smallest balance first (the snowball method) if you want quick motivating wins.
Credit Card Payoff Calculator: frequently asked questions
How long will it take to pay off my credit card?
It depends on your balance, APR and monthly payment. Enter them above — the calculator shows the exact payoff time and how paying extra shortens it.
How much faster does paying extra pay off a card?
A lot — because the extra goes entirely to principal. Even $50–$100 more per month can cut years and hundreds of dollars in interest off the payoff.