Debt

Credit Card Payoff Calculator

How long will it take to pay off your card — and how much will it cost in interest? Adjust the monthly payment to see the impact immediately.

Your card

Check your statement for your exact APR
Usually 1-2% of balance or $25, whichever is higher
Change this to see how extra payments affect your payoff

Month-by-month breakdown (your payment: $200/mo)

MonthPaymentInterestPrincipalBalance
Balance transfer tip: if you can transfer this balance to a 0% APR promotional card, every dollar of your payment goes to principal — dramatically accelerating payoff. See our balance transfer guide for when it makes sense.
Related: The minimum payment trap Balance transfer guide FAQ Multiple debts? Use debt payoff calculator