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Credit card payoff calculator
Find how long a fixed monthly payment could take, or estimate the payment needed by a target date.
Your results
Enter your numbers, then calculate to see your estimate.
About this estimate
- The estimate assumes a fixed interest rate and fixed monthly payments. Interest is calculated monthly; fees and new spending are not included.
- Your card provider may calculate interest daily or change the minimum payment. Check your card statement for the actual terms.
- All amounts use your selected currency. Changing the currency label does not convert the amounts.
Keep going in the app
A plan is a start. Every payment is progress.
Debt Payoff Planner brings debts, payment history, reminders, payoff strategies and progress reports together on your iPhone.
FAQ
Does the calculator send my debts to a server?
Calculations run in your browser. Calculator inputs are not sent to analytics. Older shared-plan links contain the plan’s numbers and debt names in the URL; anyone with that link can read them.
Are payoff dates guaranteed?
No. Estimates assume fixed annual rates, monthly interest and payments made as planned. Fees, daily interest, changing rates and lender-specific rules are not included.
Can I import a web plan into the app?
Not currently. The App Store link opens the app listing; it does not transfer your balances or schedule. Enter your debts in the app to track them.