Tools
Credit Card Interest Calculator: See What That Balance Is Really Costing You
See how long your balance will really take to pay off, how much interest it will cost you, and what it takes to be debt-free on your own timeline.
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Payment needed to hit your goal
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Time to pay off
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Debt-free by
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Total interest paid
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Total amount paid
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Remaining balance
View full payoff schedule (0 months)
| Month | Payment | Principal | Interest | Balance |
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2x
Paying just the minimum can more than double the time it takes to clear your balance. Try the savings calculator to see what that same money could earn you once the card is paid off.
This calculator is an educational estimate, not financial advice. It assumes a fixed APR, standard monthly compounding, and that payments are applied at the end of each month, and it doesn’t account for fees, promotional rates, or changes to your APR. Your card issuer’s actual terms will determine your real payoff timeline.