Credit Card Payoff Calculator
Enter your credit card balance, interest rate, and monthly payment to see your payoff date and total interest cost.
Frequently Asked Questions
What happens if I only pay the minimum?
Minimum payments are typically 1-2% of the balance. On a $5,000 balance at 22% APR paying a $100 minimum, you could be in debt for over 8 years and pay $5,000+ in interest alone.
Does the order I pay off cards matter?
Yes — pay off the highest interest rate first (Avalanche method) to minimize total interest, or smallest balance first (Snowball) for motivation. Both are better than paying minimums on everything.
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