Credit Card Payoff Calculator
A free, browser-based calculator. Runs entirely in your browser — no sign up, nothing stored.
100% FreeRuns in your browserBasic
Enter Values
Enter your values and press Calculate to see results.
How to use this calculator
- Enter your balance, APR and monthly payment.
- Read how long it takes and the total interest.
How it works
Each month adds APR ÷ 12 interest, then subtracts your payment. If the payment is below the first month's interest, the balance never clears.
Worked example
$5,000 at 19.99%, $250/mo. ≈ 24 months and roughly $1,100 interest.
Tips
- Estimate only — not financial advice.
Frequently asked questions
Why pay more than the minimum?
Minimums are mostly interest — even small extra payments cut months and hundreds in interest.
Privacy?
Runs entirely in your browser. Your inputs are not saved or transmitted.
Related tools
Tip: Enter any known values to calculate the remaining results.
All calculations run in your browser. Your inputs are never saved or transmitted.