Debt Payoff
Credit Card Interest Calculator
Estimate a payoff date and total interest from a card balance, APR, and fixed monthly payment.
Free · No sign-up · Your inputs stay in your browser
Your numbers
Find the real cost of a card balance
Your projection
Debt-free in 3y 0m
First month interest
$104.13
Total interest
$2,200
Total paid
$7,200
About this tool
Method, assumptions, practical next steps, and limits.
Fixed payments reveal the cost
Minimum payments usually shrink with the balance, which can extend payoff. A fixed payment gives the debt a clearer end date.
Calculation method
The tool compounds interest monthly and assumes no new charges or fees. Card issuers commonly use daily average balances, so statements will differ.
Protect the plan
Keep at least the required minimum on automatic payment, then direct the planned extra amount before new spending can absorb it.
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Frequently asked questions
Does this tool save my numbers?
No. The calculation runs in your browser and the inputs are not sent to our server.
Is the result a guarantee?
No. It is an educational projection based on the assumptions you enter, not financial, tax, lending, or insurance advice.
What should I check next?
Compare the projection with your statement, stop new charges when possible, and ask the issuer about a lower rate or hardship options.
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