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Credit Card Payoff Calculator

The credit card payoff calculator helps you determine how long it will take you to pay off your credit card balance based on your monthly payment.

 

Credit Card Payoff Calculator

How long will it take to pay off my credit card?

How many months will it take to pay off my credit card?

Get started

Credit card balance

This is the total amount that remains to be paid on your credit card.

$
Enter in a dollar amount
Next
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What is your APR?

Please enter the annual percentage rate of your credit card.

%
Enter a valid APR.
Next
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How do you want to pay off your credit card?

Please select the path that best fits your goal.

I know when I want to be debt free. I know how much I can afford per month.
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How much time?

In what amount of time would you like to pay off this credit card?

Years
Months
Please enter a length of time
Next
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How much can you pay per month?

Please enter the amount that you are able to comfortably pay per month.

Minimum ${#} required.
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Credit Card Payoff Information

The amount you will pay towards your balance monthly.
Minimum ${#} required to cover interest.
Adjust time until payoff
Timeframe The length of time it will take to pay off your balance.
Must be 0 to 11 months and 0 to 99 years, totaling at least 1 month
Adjust monthly payment
The cost of the loan, including interest and fees.
Enter a valid APR
Total balance you currently owe.
Enter a dollar amount

Credit Card Breakdown

Time Until Payoff
0
0

Monthly payment too low

Learn more about how to manage debt

When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type or amount for which you may qualify.

Resources

View ALL Resources

How Credit Cards Affect Your Credit Score

Many factors go into determining your credit score. More than half of that number comes down to how you use — or don’t use — your credit cards.
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Paying Off Credit Card Debt With a Balance Transfer

If you have credit card debt, a balance transfer could help you pay it off faster. Learn strategies to maximize the benefits and save money on interest.
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The Road to a Better Credit Rating

How do you improve your credit rating? Along with patience and planning, there are immediate actions you can take to get the process started.
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Don't let your debt control you.

Learn strategies to give your credit card debt the payoff.

Read the article

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