Calculation method
Monthly interest is estimated as balance × APR ÷ 12, followed by a fixed payment. The final payment is limited to the amount owed.
Debt · General formulas
Credit Card Payoff Calculator
Estimate payoff time and interest for a fixed monthly payment. Use the example values or enter your own numbers to explore an estimate.
Currency formatting only—not an exchange-rate conversion. No country-specific tax or government rules are applied.
Your results
See a clear estimate
Enter your details to see a personalized calculation, a simple projection, and the assumptions behind it.
Free to use
No sign-up required
No personal data stored
Assumptions & limits
- No new purchases, fees, or changing APR.
- Actual card interest may use daily balance methods.
- Basis: user-entered values.
- Basis: standard fixed-payment and time-value-of-money formulas.
Tax or legal rule year: Not applicable — no country-specific rules are used.