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Credit Card Payoff Calculator
Free credit card payoff calculator: how many months to clear your balance at your payment, the payment needed to be debt-free by a date, and the cost of paying only the minimum.
Your card
Debt-free in
2 yrs 11 mo
| Monthly payment | $200 |
| Total interest | $1,620 |
| Total paid | $6,620 |
| Minimum payment only (~$144) | 4 yrs 9 mo, $3,151 |
Interest charged monthly at APR ÷ 12, with no new purchases. The minimum is estimated as 1% of the balance plus interest. Not legal, tax or financial advice. 🔒 Everything stays on your device.
📚 Official sources: CFPB: credit cards
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Questions people ask
How long to pay off $5,000 at 22.5% APR?+
About 2 years 11 months at $200 a month, with roughly $1,620 of interest.
Why does the minimum payment take so long?+
Most of a minimum payment goes to interest, so the balance barely falls. Your statement must show how long minimum payments take.
Avalanche or snowball?+
Paying the highest-rate card first (avalanche) saves the most interest; smallest balance first (snowball) gives quicker wins.