Credit Card Payoff Calculator

All tools

See how long it takes to clear your credit card debt by monthly payment, or find the payment needed to be debt-free by a target date. Free and instant.

$
%
$
How much you can pay toward the card each month.
months
Number of months you want to be debt-free in.
Time to pay off –
This payment doesn't cover the monthly interest — the balance never clears.
Total interest –
Total paid –
Estimated payoff date –
Assumes a fixed APR, no new purchases or fees, and equal payments applied monthly. Real card terms may differ.
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