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Line of Credit Payoff

When will your line of credit be paid off? Use this calculator to see what it will take to payoff your line of credit, and what you can change to meet your repayment goals.

Current balance:
Payoff goal (in months):
Current monthly payment:
New charges per month:
Interest rate (APR):
Annual fee:
Rate change (per year):
Future Draws on this Line of Credit
Draw one:
Months from now:
Draw two:
Months from now:
Draw three:
Months from now:
Draw four:
Months from now:


Current balance
Current outstanding balance on your line of credit.

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

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

New charges per month
Total new charges you expect to put on this line of credit per month.

Rate change (per year)
If you expect the interest to change in the next year, use this to indicate how much. For decreasing rates, enter negative numbers.

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

Annual fee
Your annual fee for this line of credit.

Amount to draw from this line of credit.

Months from now
Number of months from now before your draws will occur.

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