Financial
Credit Card Payoff Calculator
How long to clear a credit card balance and how much interest it costs.
Payoff time
35 mo
Total interest paid$1,859.39
How it works
n = −log(1 − B·r/P) / log(1 + r)
Solves for how many months a fixed monthly payment takes to eliminate a revolving balance at a given APR.
Frequently asked
Why is my payoff time infinite?
Your payment doesn't cover monthly interest. Increase it above balance × APR/12 to make progress.
How do I pay off faster?
Snowball (smallest balance first) or avalanche (highest APR first). Avalanche saves more interest; snowball gives quicker wins.
Related calculators
Mortgage Calculator
Estimate monthly mortgage payments, total interest, and amortization.
Loan Calculator
Compute monthly payments for any fixed-rate loan.
Auto Loan Calculator
Monthly payments for a car loan including tax, trade-in, and down payment.
Investment Calculator
Project growth of your investments over time with regular contributions.