Credit card payoff tool
See what your balance is really costing.
Run the numbers in plain English. Estimate payoff time, interest cost, and total paid so you can decide whether to pay more, transfer a balance, or compare consolidation options.
Enter your details
Calculate your payoff path.
Use estimates only. The actual balance, APR, compounding, and minimum payment rules come from your card issuer.
Your results
Payoff estimate
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Enter your balance, APR, and payment, then calculate. Your result will appear here without any credit pull or account connection.
Ways to reduce interest
- ✓Increase your monthly payment, even by $50 to $100, if your budget allows.
- ✓Compare 0% intro APR balance transfer cards before interest keeps compounding.
- ✓Avoid adding new charges while paying down the balance.
- ✓Consider debt consolidation if multiple cards make payoff hard to track.
Next steps