💳 Credit Card Payoff Calculator

Find out how many months it takes to pay off a credit card balance with a fixed monthly payment, and how much interest you pay along the way. Assumes no new purchases.

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How this is calculated

Each month interest of APR ÷ 12 is added to the balance and your payment is subtracted, until the balance reaches zero.

Frequently asked questions

Avalanche or snowball?

Paying the highest-APR card first (avalanche) saves the most interest; paying the smallest balance first (snowball) gives quicker wins.

Do balance transfers help?

A 0% transfer offer can save a lot if you pay it off before the promo ends. Watch the transfer fee, often 3–5%.

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