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Credit card payoff calculator

How long it takes to pay off a card balance and how much interest you pay, or the payment needed to clear it by a date.

Your inputs stay in this tab. We do not receive your files, pasted text or calculation values.

Input

Your result

Your result will appear here.

How to use this tool

  1. Enter your values or choose a local file. Replace the example data with your own.
  2. Review options, units and assumptions, then run the tool.
  3. Check the result before copying or downloading it. Keep an original copy of important files.

Method & assumptions

How long it takes to pay off a card balance and how much interest you pay, or the payment needed to clear it by a date.

balance(t+1) = balance(t) × (1 + APR/12) − payment

Worked example

Card balance: 6,000
APR (%): 20.99
I know: My monthly payment
Monthly payment or months: 250

→ Monthly payment: 250
→ Months to pay off: 32
→ Total interest: 1,848.97

Limits & important notes

Basic release. Review the result before relying on it. File limits, supported cases and processing requirements are shown above.

Content updated:

Privacy & Free to use

Are my inputs stored?

Your inputs stay in this tab. We do not receive your files, pasted text or calculation values.

Is this tool free?

Yes. No signup or payment is required.

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