Credit Card Pay Off Calculator
See how long it takes — and how much extra you pay in interest — at your current payment vs your goal.
Current Situation
$
%
$
Your Goal
24 months
6 months60 months
Slide to set your target. We'll show the payment that gets you there and how much interest it saves.
Balance
$8,000
APR
19.99%
Payoff time
5 yr 7 mo
at $200/mo
Interest you'll pay
$5,288
40% of total
Current vs. Goal
Current Plan
$200/mo- Payoff time
- 5 yr 7 mo
- Total interest
- $5,288
- Total you'll pay
- $13,288
Goal: 2 yr
$407/mo- Payoff time
- 2 yr
- Total interest
- $1,771
- Interest saved
- $3,517
Add $207/mo to your payment (now $200 → $407) to finish 43 months earlier and save $3,517 in interest.
Where Your Money Goes
Same balance, very different interest. The shorter the payoff window, the smaller the red band.
Balance Over Time
Each line drops to zero on its payoff month — gap = time saved.