Credit Card Payoff Calculator

See how long it really takes to pay off a credit card if you only pay the minimum — and how much a fixed higher payment saves you instead.

Card balance ($)

APR (%)

Minimum Payment Terms (check your card statement)

Minimum payment (% of balance)

Minimum payment floor ($)

What You Plan to Actually Pay

Fixed monthly payment ($)

Your Results

⚠️ Paying only the minimum

Debt-free in

Total interest paid

Total paid

💪 Your fixed payment

Debt-free in

Total interest paid

Total paid

“Minimum only” recalculates the payment each month as a percentage of your remaining balance (how real credit card minimums work) — which is why it can take so much longer than a fixed payment.

Or: What Payment Do I Need to Pay It Off in X Months?

Target payoff time (months)