Struggling with credit card debt? Our Credit Card Payoff Calculator helps you take control of your finances by showing:
✅ How long it will take to pay off your balance
✅ How much interest you’ll pay with minimum payments
✅ How much you can save by increasing monthly payments
✅ A customized payment plan to optimize your strategy

Designed for simplicity and accuracy, this tool helps you make smarter debt repayment decisions—whether you’re paying the minimum, adding extra payments, or targeting a specific payoff date.

1. Enter Your Current Balance – The total amount you owe.

2. Input Interest Rate – Your card’s APR (e.g., 18.99%).

3. Set Minimum Payment – Either a fixed amount ($) or percentage (%).

4. Add Extra Payments (Optional) – See how paying more speeds up payoff.

5. Set a Payoff Goal (Optional) – Calculate the monthly payment needed to clear debt by a certain date.

6. Click “Calculate” – Instantly see your results!

✔ Compare Scenarios – Toggle between minimum payments vs. accelerated payoff to see savings.
✔ Payment Plan Breakdown – View a month-by-month schedule showing principal, interest, and remaining balance.
✔ Interest Savings Estimator – Discover how much extra payments can reduce total interest.
✔ Goal-Based Calculation – Find out how much to pay monthly to eliminate debt by a target date.

For faster calculations:

• Press Enter after entering numbers to instantly compute results.

• Use Tab to quickly navigate between input fields.

This tool works perfectly on any device:
📱 Mobile-Friendly – Easy-to-use on smartphones with optimized touch controls.
💻 Desktop-Ready – Clean, spacious layout for precise inputs.
🔄 Adaptive Display – Adjusts seamlessly to different screen sizes for a smooth experience.

Start Calculating Now & Take Control of Your Debt! 🚀

Simply enter your details, explore different payment strategies, and find the fastest, most cost-effective way to become debt-free!