CardPayoff

Credit card payoff calculators that show the real interest cost, 100% in your browser.

Calculations run on your device — your card balance never leaves the page

Payoff

See how many months and how much interest it takes to clear your credit card balance, and what the minimum payment would really cost.

Add a fixed extra amount each month and see how many months and how much interest you save versus paying the same monthly amount.

See how many years it really takes to clear a credit card if you only pay the minimum, and what a fixed payment would save.

Set a target number of months and see the monthly payment you need to clear the balance by that date.

Focus on the APR — see how a few points of rate change the months and interest on your credit card payoff.

Answer the question everyone asks: with my balance, APR and monthly payment, how long until the card is paid off?

Pick a payoff term in months and see the level monthly payment needed to clear your credit card balance.

Work out exactly how much interest a credit card balance costs over the life of the payoff at your APR and monthly payment.

Compare keeping a balance on your current card against moving it to a 0% or low-APR balance transfer, including the transfer fee.

List several cards as balance, APR and see the avalanche method pay the highest APR first to save the most interest.

List several cards as balance, APR and see the snowball method pay the smallest balance first for quick wins.