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Credit Card Calculator

See how long to pay off your balance and how extra payments save thousands.

Card Details
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💡 Try adding extra payments to see how much faster you become debt-free!

Months to Pay Off
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Total Interest
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Total Paid
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📊 Extra Payment Scenarios

Credit Card Interest

At 22.99% APR, about 1.9% of your balance adds as interest each month. Minimum payments mostly cover interest, making payoff take decades.

Pay Off Faster

  • Avalanche: Pay highest APR first
  • Snowball: Smallest balance first for momentum
  • Balance transfer: 0% intro APR card
  • Fixed payment: Same amount even as minimums drop