Credit Card Payoff Calculator
See how long your credit card balance takes to pay off and how much interest you save by paying extra.
Runs locally in your browser — your debt balances never leave this pageTry: Card balance=3500, Minimum payment=100, APR %=24.99, Extra payment / month=50, One-time extra payment=0 → 33, $1,343, 33, $1,343, $0
How to use
Credit cards charge compound interest daily, so even a small extra payment each month cuts the payoff time sharply. Enter your balance, minimum payment and APR, then add an extra amount to compare.
FAQ
Should I just pay the minimum?
Paying only the minimum on a high-APR card can take decades and cost more in interest than the original balance. Any amount above the minimum goes straight to principal and shortens the timeline.