Terms of Use

Last updated: 9 November 2026

These terms apply when you download or use Credit Card Payoff Calculator (on your home screen: Card Payoff), an app from Itworked Systems, a company registered in Türkiye. By using it, you agree to them. If you downloaded the app from Apple's App Store, Apple's standard license agreement applies as well.

Using the app

We give you a personal, non-commercial right to use the app on devices you own or control. Please don't copy, resell or redistribute it. We may change or improve features with updates.

Estimates, not advice

The app estimates how long a credit card takes to pay off and what it costs in interest, from the balance, APR, minimum payment rule and monthly payment you enter. Interest each month is balance × APR ÷ 12. It is a calculator, not financial, legal or tax advice.
Your card issuer's figures can differ. Issuers may charge interest daily, use their own billing cycle and payment dates, add fees, and count new purchases or cash advances in the balance. Rates and rules can change.
Please check the figures with your card issuer before you rely on them for an important decision.

Payoff Pro

The calculator for a single card is free. Payoff Pro unlocks extra tools (several cards and loans with one monthly budget, snowball, avalanche and custom order comparisons, what-ifs, monthly progress tracking, and PDF and CSV export). It is sold through Apple or Google, under their terms, as a yearly subscription with a 7-day free trial, or a one-time lifetime purchase. The price is shown in the app before you buy.
Subscriptions renew automatically at the same price until you cancel. Cancel at least 24 hours before the end of the current period in your App Store or Google Play account settings; you keep Pro until the period ends. If you don't cancel before the free trial ends, the subscription starts and is charged.
Lifetime Pro stays unlocked. On a new phone, tap Restore purchases on the Pro screen or in More, signed in with the same Apple Account or Google account.
Refunds are handled by Apple or Google under their refund rules. This does not limit any rights you have under the law of your country.

The app is ours

The app, its design, icon and name belong to Itworked Systems. Some parts are open-source software used under their own licenses.

Our responsibility

We provide the app as it is, and cannot promise that it will always be accurate or free of errors. As far as the law allows, we are not responsible for damage or losses that come from relying on its estimates, such as a budget or a decision about paying a debt. Nothing in these terms limits responsibility that the law does not allow us to limit, or your rights as a consumer.

Changes to these terms

If we change these terms, we update this page and the date at the top.

Law

These terms are governed by the laws of the Republic of Türkiye, and disputes go to the competent courts and enforcement offices of Türkiye. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live, and you can take a dispute to the courts or consumer bodies there.