💳 Credit Card Tool

Credit Card Payoff Calculator

See how long it takes to pay off credit card debt and how much interest you'll pay.

Enter your credit card balance and APR

Current Balance ($)

APR (% per year)

Payment Strategy

Fixed Monthly Payment ($)

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Pay more than minimum: Doubling your minimum payment can cut payoff time in half

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0% balance transfer: Consider transferring to a 0% APR card to save on interest

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Stop using the card: Freeze spending while paying off to avoid adding to debt

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Automate payments: Set up automatic payments to never miss a due date

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