Credit Card Payoff Calculator

Enter your credit card's current balance:

$

Enter the card's interest rate (listed as APR on your credit card statement):

  %

Enter a monthly payment amount (in dollars)

At the rate of payment you entered, it would take months to pay off the card.

Enter your credit card balance, interest rate and a monthly payment amount, then hit Calculate to see how long it would take to pay off your balance if you made that same payment every month (assuming you stopped putting new charges on the card, of course). To understand how just a little extra each month can affect the time until payoff, increase the monthly payment slightly and re-calculate -- the change may surprise you.

Discover it® - 18 Month Balance Transfer

Editor's Rating

Apply now for Discover it® - 18 Month Balance Transfer
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. No APR increase for paying late.
  • 5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up.*
  • 1% cash back on all other purchases.*
  • Accepted by over 8 million merchants (Feb 2013 issue of the Nielsen Report).
  • *Click apply for Terms & Conditions.
Apply Now Credit Needed Excellent
Balance Transfer Intro APR

0% intro APR

Balance Transfer Intro Period

18 months

Purchase APR

10.99% - 22.99% Variable*

Annual Fee

$0 

Discover it®

Editor's Rating

Apply now for Discover it®
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. No APR increase for paying late.*
  • 5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up.*
  • 1% cash back on all other purchases.*
  • Accepted by over 8 million merchants (Feb 2013 issue of the Nielsen Report).
  • *Click apply for Terms & Conditions.
Apply Now Credit Needed Excellent
Balance Transfer Intro APR

0% intro APR

Balance Transfer Intro Period

14 months

Purchase APR

10.99% - 22.99% Variable*

Annual Fee

$0 

Citi® Diamond Preferred® Card

Editor's Rating

Apply now for Citi® Diamond Preferred® Card
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
Apply Now Credit Needed Excellent
Balance Transfer Intro APR

0%*

Balance Transfer Intro Period

18 months on Balance Transfers*

Purchase APR

11.99% - 21.99%*

Annual Fee

$0* 

Slate® from Chase

Editor's Rating

Apply now for Slate® from Chase
  • Click "APPLY NOW" to apply online or call 888-706-5850
  • Introductory Offer - No Balance Transfer Fee!*
  • Transfer a balance during the first 60 days your account is open, and as an introductory offer you will pay no balance transfer fee!*
Apply Now Credit Needed Excellent/Good
Balance Transfer Intro APR

0%

Balance Transfer Intro Period

15 months

Purchase APR

11.99% - 21.99%

Annual Fee

None 

Citi Simplicity® Visa® Card

Editor's Rating

Apply now for Citi Simplicity® Visa® Card
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
Apply Now Credit Needed Excellent
Balance Transfer Intro APR

0%*

Balance Transfer Intro Period

18 months on Balance Transfers*

Purchase APR

12.99 - 21.99%

Annual Fee

$0* 

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

Editor's Rating

Apply now for Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
Apply Now Credit Needed Excellent
Balance Transfer Intro APR

0%

Balance Transfer Intro Period

12 months*

Purchase APR

12.99% - 22.99%*

Annual Fee

$0* 

Simmons First Visa® Platinum

Editor's Rating

Apply now for Simmons First Visa® Platinum
  • Created for those with Excellent Credit and approval is based on your credit rating and application review.
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
Apply Now Credit Needed Excellent
Balance Transfer Intro APR

7.25% Variable

Balance Transfer Intro Period

Purchase APR

7.25%

Annual Fee

None 

Chase Freedom® Visa

Editor's Rating

Apply now for Chase Freedom® Visa
  • Click "APPLY NOW" to apply online or call 866-943-1969
  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months from account opening
Apply Now Credit Needed Excellent/Good
Balance Transfer Intro APR

0%

Balance Transfer Intro Period

15 months

Purchase APR

13.99% - 22.99%

Annual Fee

n/a 

Citi ThankYou® Card

Editor's Rating

Apply now for Citi ThankYou® Card
  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
  • Earn 1 ThankYou Point for every $1 you spend on purchases.
  • Enjoy no limit on the number of points you can earn
Apply Now Credit Needed Excellent
Balance Transfer Intro APR

0%*

Balance Transfer Intro Period

15 months on Balance Transfers

Purchase APR

12.99% - 22.99%*

Annual Fee

$0* 

Barclaycard® Rewards MasterCard® - Average Credit

Editor's Rating

Apply now for Barclaycard® Rewards MasterCard® - Average Credit
  • 0% Introductory APR for 6 months on purchases
  • 0% Introductory APR for 6 months on balance transfers
  • Earn 2 points per $1 on gas, grocery, and utility purchases
Apply Now Credit Needed Good/Fair
Balance Transfer Intro APR

0%

Balance Transfer Intro Period

6 months

Purchase APR

24.99%

Annual Fee

N/A 

PenFed Promise Visa® Card

Editor's Rating

Apply now for PenFed Promise Visa® Card
  • No annual fee
  • No foreign transaction fee
  • No late fee
Apply Now Credit Needed Excellent
Balance Transfer Intro APR

4.99%*

Balance Transfer Intro Period

promotional rate for the life of the balance on transfers made from April 1, 2013 through June 30, 2013

Purchase APR

9.99%

Annual Fee

$0 

Citi Simplicity® Card

Editor's Rating

Apply now for Citi Simplicity® Card
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
Apply Now Credit Needed Excellent
Balance Transfer Intro APR

0%*

Balance Transfer Intro Period

18 months on Balance Transfers*

Purchase APR

12.99-21.99%

Annual Fee

$0*