How to Use the Credit Card Interest Calculator
Enter your credit card balance, interest rate (APR), and monthly payment amount to instantly see how much you’re really paying in interest over time. Our Credit Card Interest Calculator helps you understand how long it will take to pay off your debt and how much you can save by increasing your payments or lowering your rate. Use it to compare different payoff strategies, explore balance transfer options, and make smarter decisions to reduce your credit card debt faster.
Credit Card Interest & Payoff Calculator
See months to payoff, total interest, and payoff date — or find the payment you need to hit a target timeline.
Inputs
Assumes monthly compounding (APR ÷ 12). Results are estimates.
Results
Estimated Months to Payoff—
Total Interest—
Total Paid—
Projected Payoff Date—