How long will it take to pay off your credit card?

Compare monthly payments, interest cost and payoff timing.

When this calculator is useful

Estimate how long a credit-card balance may take to repay and how much interest an extra monthly payment could save.

What to enter

Enter the current card balance, APR, regular monthly payment and any additional monthly payment.

How to read the result

Review months to payoff, total interest and total paid. The extra-payment comparison shows estimated interest saved and time saved.

Questions worth testing

Compare adding $25, $50 or $100 per month, or test how a lower APR changes the payoff timeline.