Credit Card Payoff Calculator
Finds how many months it takes to pay off a balance and the total interest.
Every calculation runs instantly in your browser, so your inputs are never sent to a server, and the tool is free with no sign-up. You can save the results as an Excel file with live formulas and reuse them later.
Inputs
- Balance ($)
- APR (%)
- Monthly payment ($)
Example calculation
Months to pay off: 34 months
| Time | 2 yr 10 mo |
|---|---|
| Total interest | $1,749.54 |
| Total paid | $6,749.54 |
Method & notes
Assumes a fixed monthly payment and no new charges. Estimate.
Tips
Change any input and the result recalculates in real time. After downloading the Excel file, you can reuse it by editing only the yellow input cells.
FAQ
How does the Credit Card Payoff Calculator work?
Finds how many months it takes to pay off a balance and the total interest. Assumes a fixed monthly payment and no new charges. Estimate.
Can I save the results?
Yes. You can download the results for free as an Excel (.xlsx) file with live formulas that recalculate when you change the yellow input cells.
Is it free?
Yes — all Calcova calculators are free, and you can save results as an Excel file.