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Credit card payoff

Use this calculator to see what it will take to payoff your credit card balance, and what you can change to meet your repayment goals.

Current balance:
Payoff goal (in months):
Current monthly payment:
Planned additional monthly charges:
Interest rate (APR):
Annual fee:
Major purchase one: in months
Major purchase two: in months


Current balance
Current outstanding balance on your credit card.

Payoff goal (in months)
Your goal for paying off this credit card. This is the number of months by which you would like to have completely paid off this credit card balance.

Current monthly payment
The amount you are currently paying per month on this credit card. Please enter the amount you actually pay, not the minimum payment. This amount is used to calculate how long it will take you to pay off your balance.

Planned additional monthly charges
Total new charges you expect to put on this credit card per month.

Interest rate (APR)
The annual percentage rate for this credit card.

Annual fee
Your annual fee for this credit card.

Major purchases
If you expect a major purchase beyond your normal charges, enter the amount to be spent and the number of months before your major purchase will occur.

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