Credit Card Payoff Calculator
See how many months it takes to clear a card balance and how much interest you pay.
Months to pay off
Estimated total interest
Estimated total paid
How it works
Months to pay off = -ln(1 - r x balance / payment) / ln(1 + r), where r is the APR divided by 12. If your payment is no more than one month of interest, the balance never falls and no result is shown.
Example: a $5,000 balance at 22% APR with $200 a month takes about 34 months and roughly $1,750 in interest. Paying more each month shortens this a lot. The estimate assumes no new purchases or fees.
Frequently asked questions
Why is the result blank?
Your payment is too small to cover the monthly interest. Raise the payment.
Does paying extra help?
Yes. Extra payments go straight to the balance and cut the interest you pay.
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Last updated October 2026. For information only, not financial advice.