How this calculator works
The balance accrues one month of interest at the entered APR before each fixed monthly payment is applied.
Change any input to update the estimate instantly. Your entries never leave your device.
Credit Card Payoff Calculator
See the time and interest cost behind your monthly card payment.
Your inputs
Calculation details
⌁ All calculations run locally in your browser. No data is stored.
Estimated payoff time3 yr 0 mo
Total interest$2,668.70
Total paid$10,668.70
Monthly payment$300.00
Assumes no new purchases or fees and a constant APR.
Frequently asked questions
Why does the calculator say the payment is too low?
The payment does not cover one month of interest, so the balance would not decline.
Are new purchases included?
No. The estimate assumes no new purchases, fees, or APR changes.