Credit Card Payoff Calculator
Visualize your debt-free journey. Calculate interest savings and payment plans.
Loan Details
Min Interest: --
Amount added on top of the payment above.
Time to Debt Free
--
Total Interest
0
Total Cost
0
About This Tool
This calculator uses the standard amortization formula to show exactly how credit card interest eats into your payments. By entering your balance and APR, you can see the split between Principal (what you owe) and Interest (the bank's profit).
Freqently Asked Questions
Why is the "Total Cost" higher than my balance?
Total Cost includes your original balance PLUS all the interest you will pay over time. The longer you take to pay, the higher this number gets.
How do I use the "Extra Contribution"?
Use this field to see how much faster you can be debt-free if you add just $10, $20, or $50 to your monthly payment.
Is the data saved?
No. All calculations happen in your browser. No data is sent to any server.
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