Credit Card Pay Off Calculator
See how long it takes — and how much extra you pay in interest — at your current payment vs your goal.
- Methods explained
- Save scenarios
- Compare saved scenarios
- Chart
Current Situation
Your Goal
Slide to set your target. We'll show the payment that gets you there and how much interest it saves.
Current vs. Goal
Current Plan
$200/mo- Payoff time
- 5 yr 7 mo
- Total interest
- $5,288
- Total you'll pay
- $13,288
Goal: 2 yr
$407/mo- Payoff time
- 2 yr
- Total interest
- $1,771
- Interest saved
- $3,517
Add $207/mo to your payment (now $200 → $407) to finish 43 months earlier and save $3,517 in interest.
Where Your Money Goes
Principal includes new charges incurred until each plan clears the balance. Faster payoff also ends those modeled charges sooner.
Balance Over Time
Each line reaches zero on its payoff month. The gap shows time saved.
How it works›
Monthly model. New charges are added before monthly interest, followed by the payment. Charges stop when the balance is repaid. This fixed-APR model excludes daily accrual, grace periods, variable minimum payments and promotional rates. The projection is capped at 1,200 months; charts are capped at 600.