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Credit Card Payoff online calculator free

100% free online Credit card calculator, Calculate when you'll be debt-free. See how much extra payments save you, easy fast and secure private.

Owed Amount (Balance)

Interest Rate (APR)

Average credit card APR is around 20%.

Monthly Minimum Payment

Extra Monthly Payment

Adding even $50 can shave years off debt.

DEBT ANALYSIS

Enter your card details to see how much interest you're really paying and how to stop it.

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Escape the Cycle

Strategies to pay off debt faster.

Pay minimums on everything, but throw all extra money at the smallest balance first. Great for psychological wins.

Focus extra payments on the card with the Highest Interest Rate. Mathematically, this saves you the most money.

Banks design minimum payments (usually 2% of balance) to keep you in debt for decades. Always pay more than the minimum.