Card PayoffCredit Card Payoff Calculator
See how long a card will take to pay off and what it will cost. Enter the balance, the APR, your card's minimum payment rule and the amount you plan to pay each month, and get your payoff date and the total interest.
DEBT-FREE DATE
Your payoff date
Each month's interest is balance × APR ÷ 12, the method behind the minimum payment warning on US card statements (Regulation Z, Appendix M1).
Free
- Payoff date and total interest for one card.
- The minimum payment trap: how long it takes, and what it costs in interest, if you only ever pay the minimum.
- What paying more saves, in time and in interest.
- The monthly payment needed to be debt-free by a date you choose.
- A balance chart and a month-by-month schedule.
Payoff Pro
Pro is a yearly subscription with a 7-day free trial, or a one-time lifetime purchase.
- Several cards and loans with one monthly budget.
- Snowball, avalanche or your own custom order, compared side by side.
- What-ifs: an extra one-off payment, or a balance transfer with its fee and promotional APR.
- Monthly progress tracking against your plan.
- Export as PDF or CSV, made on your phone and handed to the share sheet.
The app is free to start, with no ads and no account. Everything you enter stays on your phone and it works offline. Amounts are shown in your phone's currency.
Coming soon
The app is not in the App Store or Google Play yet. This page will link to it when it is.
The app is not in the App Store or Google Play yet. This page will link to it when it is.
Honest note
The results are estimates, not financial advice. Your card issuer's figures can differ a little, so check them against your statement.
The results are estimates, not financial advice. Your card issuer's figures can differ a little, so check them against your statement.