Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Months to payoff
34
Total interest
$1,800
Total paid
$6,800
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One click, a permanent link with your numbers baked in.
How to use this
- 1Enter current balance ($).
- 2Enter apr (%).
- 3Enter monthly payment ($).
- 4Read your months to payoff on the right — it updates as you type.
- 5Hit Share to keep the scenario or send it to someone.
About this calculator
Compute months to payoff and total interest paid for a credit card balance at a fixed monthly payment.
Worked example
Using the values the calculator loads with:
Inputs
- Current balance: 5000 $
- APR: 22 %
- Monthly payment: 200 $
Results
- Months to payoff: 34
- Total interest: $1,800.00
- Total paid: $6,800.00
What each field means
Inputs
- Current balance ($)
- The current balance used in the calculation, measured in $. Starts at 5000 $ so you have a working example on load.
- APR (%)
- The apr used in the calculation, measured in %. Starts at 22 % so you have a working example on load.
- Monthly payment ($)
- The monthly payment used in the calculation, measured in $. Starts at 200 $ so you have a working example on load.
Results
- Months to payoff
- Returned as a whole number and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Total interest
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Total paid
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
What if my payment is too low?
If the monthly payment doesn't exceed the monthly interest charge, the balance never pays off. Increase your payment.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
APA
RevenueLab. (2026). Credit Card Payoff Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/credit-card-payoff
HTML
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/credit-card-payoff" target="_blank" rel="noopener">Credit Card Payoff Calculator — RevenueLab</a> (2026).</p>
Markdown
Source: [Credit Card Payoff Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/credit-card-payoff) (2026).
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