Credit card payoff calculator
Enter balance, APR, and a fixed monthly payment to see payoff time and total interest. On Premium, compare that to a minimum-payment scenario, view principal vs interest by year, and try an extra monthly amount to see time and interest saved.
Balance & rate
$
%
$
Fixed payment each month until paid off.
Your fixed payment
- Time to payoff
- —
- Total interest
- —
Go deeper on this credit card payoff with Premium
Keep your fixed monthly payment—and compare it to paying only contractual minimums (percent of balance vs dollar floor).
You get a clearer read on payoff time vs interest, a year‑by‑year principal vs interest chart (with optional extra principal each month), and guardrails when a payment wouldn't cover interest.
Free account
- Multi-account balances you control
- Budgets and scheduled bills
- Import CSV or enter transactions manually
Educational estimates only—not financial, investment, or tax advice. Results depend on your inputs and simplifying assumptions.