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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.
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