Credit card payoff
Time, total interest and required payment to clear a card balance.
- Instant
- Free
- Private (processed locally)
- No sign-up
When will your card be paid off?
Enter the balance, the APR and your monthly payment: get the payoff time, the total interest and the end date — plus the payment needed to go faster.
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Balance and rate
The amount owed and the APR.
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Monthly payment
What you pay each month.
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Read the plan
Time, interest, milestones.
Why pay more each month?
- Fewer months to pay off
- Far less interest paid
- Out of debt sooner
- The table shows the effect from 12 to 48 months
Example: 3,000 at 18%, 150/mo
| Item | Value |
|---|---|
| Balance | 3,000 |
| APR | 18% |
| Monthly payment | 150 |
| Paid off in | ≈ 24 months |
To clear it in 12 months you’d need ≈ 275/mo. Indicative estimate, 100% local calculation, not financial advice.
Frequently asked questions
How is it calculated?
The tool simulates month by month: each month interest (APR ÷ 12 × balance) is added, then your payment is subtracted. It counts the months to a zero balance and sums the interest.
Why does a warning sometimes appear?
If the payment is less than or equal to the monthly interest, the balance is never paid off — it grows. The tool warns you to increase the payment.
What is the payment table for?
It shows the payment needed to clear the balance in 12, 24, 36 or 48 months, using the amortization formula. Handy to set a payoff goal.
Is my data private?
Yes. Everything is computed in your browser; nothing is sent or stored. For guidance only, not financial advice.