Finance

Credit Card Payoff Calculator

See exactly how long it takes to clear your balance and how much interest you pay — with minimum payments or a fixed monthly amount.

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Tip: paying more than the minimum dramatically reduces total interest.

💰 Minimum payment trap

See the real cost of paying only 2% of your balance every month.

🎯 Fixed payment plan

Enter a monthly amount and find your exact payoff date and interest.

📅 Target date mode

Pick a payoff deadline and learn the monthly payment required to hit it.

📈 Interest visualization

Watch your balance fall and cumulative interest grow on one chart.

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