Credit Card Payoff Calculator
Payoff time and interest for a revolving card balance
Use this when you need a fast, accurate result — no sign-up, works entirely in your browser.
Months to payoff—
Total interest—
Minimum payment warning—
How to Use
- Enter your details into the fields above.
- Click the calculate button to get your result instantly.
- Use the clear button to start a new calculation.
Example
- $5,000 balance, 19.99% APR, $200/mo → 33 months; total interest $1,600.00
- $6,000 balance, 22% APR, $250/mo → Paid off in 32 months; interest ≈ $2,000
Formula
Same amortization as any revolving balance: interest each month = balance × APR/12. Paying only the issuer minimum (roughly 2% of the balance or $25) can stretch a modest balance over decades — this tool flags that case explicitly.
About Credit Card Payoff Calculator
Payoff time and interest for a revolving card balance. This free online tool gives you fast, accurate results without registration or downloads.
Everything runs locally in your browser, so your data is never uploaded or stored — privacy first.
Frequently Asked Questions
Is this tool free to use? +
Yes, it is completely free with no registration or download required.
Is my data private? +
Yes. Everything is processed locally in your browser. Nothing is uploaded or stored on our servers.
Does it work on mobile? +
Yes, it works on any device — phone, tablet, or desktop.