Debt & Credit
When will my credit card be paid off?
See your payoff date and total interest based on your balance, APR, and monthly payment. Small increases can save months and money.
Try the calculator
Update the payment to see how fast the balance disappears.
What this means
Credit card APRs make debt expensive. The faster you pay, the less interest you owe and the sooner your cash flow improves.
What to do next
Test an extra $50 or $100 per month. If the payoff date improves a lot, consider shifting money from subscriptions or one-time spending.
FAQ
What if my payment is too low?
If your monthly payment does not cover interest, the balance will not shrink. Increase the payment to make progress.
Does this include new purchases?
No. The calculation assumes you stop adding new charges during payoff.