Debt and Credit Card Payoff Calculator
Months to pay off and total interest. Change the numbers and the result updates instantly.
How it works
Credit cards charge interest on the unpaid balance each month, so paying only the minimum can take decades. Enter your balance, APR and fixed monthly payment to see how many months it takes and how much interest you pay.
Example
Example: $8,000 at 22% APR with a $300 payment takes about 34 months and costs around $2,000 in interest. Raising the payment to $400 saves roughly $700.
Tips
- Change one input at a time to see what moves the result most.
- Use realistic rates. Check current averages before you decide.
- Results are estimates and do not replace advice from a licensed professional.
Frequently asked questions
Is this calculator free?
Yes. There is no sign-up and nothing is stored on our servers; the math runs in your browser.
How accurate is it?
It uses standard formulas, but real offers include fees, rate changes and taxes that can differ. Treat the result as an estimate.
Sources and method
Page last updated November 2026. See our editorial policy and disclaimer.