Credit Card Payoff Calculator

See how long it will take to become debt-free.

How It Works

This calculator determines the number of months required to pay off your credit card balance based on your monthly payment and interest rate.

Credit card debt can be overwhelming due to high interest rates. Using a calculator can help you create a realistic payoff plan.

Most credit cards have variable APRs that can change with the prime rate. Higher APRs mean more of your payment goes toward interest, not principal.

Making only minimum payments can keep you in debt for decades. Always pay more than the minimum whenever possible.