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Credit card payoff calculator
How long to clear a card and how much interest you pay at different monthly payments.
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- No sign-up
- Works on any device
About Credit card payoff calculator
Shows how many months it takes to clear a credit card and how much interest you pay at different monthly payments. Card interest compounds on the balance, so paying only the minimum can take many years. Raising the payment even slightly can cut the total cost sharply.
How to use Credit card payoff calculator
- Enter your card balance and interest rate (APR).
- Type the monthly payment you plan to make.
- Compare the payoff time and total interest at different payments.
Why use this tool?
- Private: everything happens in your browser. Nothing you enter is uploaded.
- Free, with no sign-up, no watermark and no limit on how often you use it.
- Works on phones, tablets and computers: Android, iPhone, Windows, Mac and Linux. Nothing to install.
- Free to embed on your own website, with a ready-made code to copy.
- Available in 10 languages.
Also known as
Frequently asked questions
Why does paying the minimum take so long?
The minimum is often barely above the monthly interest, so very little reduces the balance. Interest then keeps accruing on almost the same amount.
How is monthly interest on a card worked out?
The annual rate is divided by 12 and applied to the balance each month, so interest shrinks as the balance falls. Some cards use a daily rate, which is very close.
What happens if I add new purchases?
New spending increases the balance, so the payoff estimate no longer holds. Stop using the card or add the new amount to the starting balance.
Is Credit card payoff calculator free?
Yes. Credit card payoff calculator on Toolipedia is free to use, with no sign-up and no watermark.
Is it safe to use?
Yes. Everything is worked out in your browser, and nothing you enter is sent to our server.
Does it work on my phone?
Yes. It works in any modern browser on Android and iPhone, as well as on tablets and computers. There's nothing to install.
Do I need an account?
No. Just open the page and use the tool. There's no sign-up and no email needed.
Can I put Credit card payoff calculator on my own website?
Yes. Use the Embed on your site button under the tool to copy a short piece of code and paste it into your page. It is free, needs no account, and the tool keeps working inside your page.