Your files stay on your device

# Credit card payoff calculator

Estimate how long a card balance takes to clear at a fixed payment, with total interest shown and a guard for payments too small.

Enter a balance, APR, and payment to simulate the payoff.

Each month the balance first accrues interest at APR over 12, then the fixed payment comes off. That is the whole model: no late fees, no cash-advance or penalty rates, no new spending on the card, and no minimum-payment formula, because the payment here is one you pick. This is arithmetic, not financial advice.
Options

## More unit & math tools

- [Unit converter](/converters/units)
- [Average and median](/converters/statistics)
[All unit & math tools](/converters)

Was this tool useful?
YesNo

---

Canonical HTML: https://nutter.tools/converters/credit-card-payoff-calculator
Markdown version: https://nutter.tools/converters/credit-card-payoff-calculator.md
Plain-text version: https://nutter.tools/converters/credit-card-payoff-calculator.txt
Agent index: https://nutter.tools/llms.txt