Find out how long it will take to pay off your credit card and how much interest you'll pay.
Credit Card Payoff Calculator
Financial
Inputs
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Enter your current credit card balance.
Enter the APR (found on your statement).
Enter your planned monthly payment.
Click Calculate.
Uses the standard amortization formula. Each month, interest accrues on the remaining balance (Balance × APR/12), then your payment reduces the principal.
Minimum payments (often 1-2% of balance) barely cover interest, meaning it can take decades to pay off a card and cost thousands in interest.