Credit card payoff calculator
Enter the balance, APR and monthly payment to see how long it takes and the interest paid.
Result
A $3,000 balance at 19% APR paying $150/month takes about 24 months and costs about $630 in interest.
Example
Estimate the months and total interest to pay off a credit card balance in your browser. Values stay on your device; no live rates.
A $3,000 balance at 19% APR paying $150/month takes about 24 months and costs about $630 in interest.
Processed locally in your browser.
Methodology
Iterates month by month: interest = balance × APR/12; balance -= (payment − interest). Stops when balance reaches zero. Minimum payment must exceed monthly interest.
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