Credit card payoff calculator
Find how long a fixed monthly payment could take, or estimate the payment needed by a target date.
Results
29 months. $782.45 interest.
- Months to pay off
- 29
- Paid off
- Total interest
- $782.45
- Total paid
- $5,782.45
Payment schedule
How it works
- Interest Each month’s interest is the balance times the annual rate divided by 12.
- Your payment It covers that interest first. The rest lowers the balance.
- Target date The calculator finds the smallest fixed payment that clears the card by that date.
- Fees and spending Fees, new spending and daily interest are not included. Your statement shows your card’s actual terms.
Questions
All questions
How much do I need to pay to clear my card by a date?
Choose Target date and enter the date. The calculator shows the smallest fixed monthly payment that clears the balance by then. It assumes a fixed rate and no new spending.
Does the calculator send my debts to a server?
Calculations run in your browser. Calculator inputs are not sent to analytics. The QR code on a printed plan and 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 and Google Play links open the app listing. They do not transfer your balances or schedule. Enter your debts in the app to track them.
Read next
All guides- How long to pay off $10,000 of card debt Months and interest at 4 APRs and 5 monthly payments, and the payment for each payoff time.
- How long to pay off $5,000 of card debt Months and interest at 4 APRs and 5 monthly payments, and what it takes to clear it in a year.
- How to pay off credit card debt faster Five ways, ranked by the months they save. $100 more a month pays off $7,000 on 3 cards in 29 months, not 50.
