Credit Card Payoff Calculator: Payoff Date & Interest

Card details

Current balance Total amount owed today. APR

Annual Percentage Rate.

Start date Used to estimate payoff month/year. Payment plan Choose how monthly payment is determined.

Fixed monthly payment Must be enough to cover interest over time. Show schedule Full schedule can be long.

Minimum payment percent

Common: 1%–3% of balance. Minimum payment floor Common: $25 or $35 minimum.

Extra payment (optional) Added on top of the minimum each month. Show schedule Full schedule can be long.

Results

Payoff time, total interest, and schedule.

Payoff time

—

Estimated payoff month

—

Total interest paid

—

Total paid

—

Avg. monthly payment

—

Payoff schedule

#	Date	Payment	Interest	Principal	Balance
Run a calculation to see the schedule.

Note: This is a simplified payoff model; card issuers may compute interest daily.

More of our calculators...

Convert hourly, weekly, or monthly pay to annual salary (and reverse). Includes overtime and hours/week inputs.

Calculate PayPal fees, net received, or the amount to charge. Supports percent + fixed fee fee models.

Calculate mortgage payments, total interest, and amortization. Include loan amount, rate, term, and down payment.

Estimate total mortgage interest and monthly interest over the loan term. Compare rates and terms quickly.

Calculate total monthly mortgage payment including taxes, insurance, and HOA. Estimate full PITI cost accurately.

Generate an amortization schedule with principal and interest by month. Add extra payments to reduce payoff time.

Compare current vs refinanced loan. Estimate new payment, break-even point, and lifetime interest savings.

Estimate credit card interest charges from APR, balance, and payment. See monthly interest and total cost.

Compare balance transfer offers. Estimate savings, transfer fees, promo APR period, and payoff timeline.