Credit Card Payment Calculator
Find out how long it takes to pay off a balance — or what payment hits your target date.
How the Credit Card Calculator Works
Enter Your Balance
Add your balance and APR, then a fixed payment or a target date.
See Instant Results
View payoff time or the required payment, plus total interest and cost.
Request with Confidence
See whether consolidating could lower your rate and total interest.
Understanding Your Results
Time to Pay Off: How many months it takes to clear your balance at the fixed payment you enter.
Total Interest: The interest you'll pay before the balance reaches zero. Higher APRs and lower payments increase it.
Total Paid: Your balance plus all interest — the true cost of carrying the balance.
Tips for Using This Calculator
Beat the minimum: Paying more than the minimum dramatically shortens payoff time.
Lower your rate: A consolidation loan can cut a high APR and total interest.
Use Pay by date: Find the exact payment needed to finish by your goal.
Avoid new purchases: New charges extend your payoff and add interest.
Credit Card FAQs
We are here to answer your questions
Minimum payments are mostly interest at first, so the balance falls slowly while interest keeps accruing.