Credit Card Payoff Calculator — Time & Interest to Pay Off
Reviewed 2026-06-03 · FinCalc Hub Editorial
High-APR credit card debt grows fast. See how long your balance takes to clear at a fixed monthly payment — and how much of that goes to interest.
Time to pay off3y 1m
Total interest$3,083.27
Total paid$11,083
Assumes fixed payment and no new charges. Pay more than interest to make progress.
Frequently asked questions
- Why does my balance barely move?
- If your payment is close to the monthly interest, almost nothing goes to principal. Paying well above the interest is key to making progress.
- What's the fastest way to pay off cards?
- Pay more than the minimum, target the highest-APR card first (avalanche), or consider a balance-transfer offer.