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Credit Card Payoff Calculator

Estimate payoff time and interest with a fixed monthly payment.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Uses monthly compounding at APR ÷ 12 and assumes interest is added before each end-of-month payment. No new purchases, late fees, promotional changes or annual fees. Final payment may be smaller than your fixed payment. Actual issuers often use daily balances, so this is a planning estimate, not a statement quote. Calculations are capped at 1,200 months to avoid unbounded work.

How to use it (step by step)

  1. 1Fill in the boxes: “Balance”, “Annual percentage rate”, “Fixed monthly payment”. Example numbers are already there so you can see how it works; replace them with yours.
  2. 2The result updates instantly as you type (on a phone it is below the boxes).
  3. 3The bold line is the main answer. Tap Copy next to any value to copy it.

Words to know

Interest
The extra money you pay for borrowing, like a rental fee for using someone else’s money.
APR
Annual Percentage Rate: the yearly interest rate. Philippine cards often show a monthly rate instead; ×12 gives the APR.
Percentage
A part out of 100. 25% of 200 = 50.
Compound interest
Interest that also earns interest over time, so savings (or debt) grow faster and faster.
Meme / quote card
Simple images with text on them, made to be shared. Use photos you own or have permission to use.

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