How long will it take to pay off my card?
This calculator estimates how many months it will take to pay off a credit card balance if you make a fixed monthly payment, and how much interest accrues along the way, based on the card’s APR.
How it works
Each simulated month, interest is charged on the remaining balance at the monthly rate (APR divided by 12), and the rest of your payment reduces the principal. This repeats until the balance reaches zero, tracking cumulative interest paid.
This tool is for general educational and planning purposes. It assumes no new charges are added to the card and a fixed payment amount; actual card terms, fees, and minimum payment rules can affect real payoff time.
Last reviewed August 2026