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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.
Show How to use Calculator

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. 

Chase Slate®

Editor's Rating

  • Pay less interest. Save on balances and new purchases
  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
Apply Now Credit Needed: Good

Purchase Intro

APR: 0% Intro APR on purchases

Period: 15 months on purchases

Purchase APR

12.99%, 17.99%, or 22.99% Variable

Balance Transfer Intro APR

0% Intro APR on balance transfers

Balance Transfer Intro Period

15 months on balance transfers

Annual Fee

$0

Capital One® Platinum Prestige Credit Card

Editor's Rating

  • Get 0% intro APR on all purchases until December 2015
  • Balance transfers also have a 0% intro APR until December 2015, a 3% fee applies to each balance transferred
  • Enjoy no annual fee
Apply Now Credit Needed: Good

Purchase Intro

APR: 0% intro on purchases

Period: until December 2015

Purchase APR

10.9% - 18.9% (V) 

Balance Transfer Intro APR

0% intro on balance transfers

Balance Transfer Intro Period

until December 2015

Annual Fee

$0

Capital One® Quicksilver® Cash Rewards Credit Card

Editor's Rating

  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
Apply Now Credit Needed: Good

Purchase Intro

APR: 0% intro on purchases

Period: until June 2015

Purchase APR

12.9% - 22.9% (V) 

Balance Transfer Intro APR

0% intro on balance transfers

Balance Transfer Intro Period

until June 2015

Annual Fee

$0

Discover it® card

Editor's Rating

  • 0% intro APR on purchases & balance transfers for 14 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • Free FICO® Credit Score online and on monthly statements*.
Apply Now Credit Needed: Excellent

Purchase Intro

APR: 0% Intro APR on purchases

Period: 14 months

Purchase APR

10.99% - 22.99% Variable*

Balance Transfer Intro APR

0% Intro APR on balance transfers

Balance Transfer Intro Period

14 months

Annual Fee

$0

Citi® Diamond Preferred® Card

Editor's Rating

  • 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® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
Apply Now Credit Needed: Excellent

Purchase Intro

APR: 0%*

Period: 18 months on Purchases*

Purchase APR

11.99% - 21.99%* Variable

Balance Transfer Intro APR

0%*

Balance Transfer Intro Period

18 months on Balance Transfers*

Annual Fee

$0*

The Amex EveryDaySM Preferred Credit Card from American Express

Editor's Rating

  • Earn 15,000 points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Earn 50% more points: Make 30 or more purchases with your Card in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
Apply Now Credit Needed: Excellent

Purchase Intro

APR: 0% on Purchases

Period: for 15 months

Purchase APR

12.99% - 21.99% Variable

Balance Transfer Intro APR

0% on Balance Transfers

Balance Transfer Intro Period

for 15 months

Annual Fee

$95

Discover it®

Editor's Rating

  • 0% intro APR on balance transfers for 18 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Free FICO® Credit Score online and on monthly statements*.
Apply Now Credit Needed: Excellent

Purchase Intro

APR: 0% Intro APR on purchases

Period: 6 months

Purchase APR

10.99% - 22.99% Variable*

Balance Transfer Intro APR

0% Intro APR on balance transfers

Balance Transfer Intro Period

18 months

Annual Fee

$0

Chase Freedom®

Editor's Rating

  • 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 a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
Apply Now Credit Needed: Good

Purchase Intro

APR: 0% Intro APR on purchases

Period: for 15 months

Purchase APR

13.99% - 22.99% Variable

Balance Transfer Intro APR

0% Intro APR on balance transfers

Balance Transfer Intro Period

for 15 months

Annual Fee

$0

Barclaycard Arrival World MasterCard®

Editor's Rating

  • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit
  • Earn 2X miles on travel and dining and 1X miles on all other purchases
  • Miles don't expire as long as your account is open, active and in good standing
Apply Now Credit Needed: Excellent

Purchase Intro

APR: N/A

Period: N/A

Purchase APR

14.99% or 18.99%* Variable

Balance Transfer Intro APR

0% Intro APR on Balance Transfers

Balance Transfer Intro Period

12 Months

Annual Fee

$0

The Amex EveryDaySM Credit Card from American Express

Editor's Rating

  • Earn 10,000 points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
Apply Now Credit Needed: Excellent

Purchase Intro

APR: 0% on Purchases

Period: for 15 months

Purchase APR

12.99% - 21.99% Variable

Balance Transfer Intro APR

0% on Balance Transfers

Balance Transfer Intro Period

for 15 months

Annual Fee

$0

Citi Simplicity® Card

Editor's Rating

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% 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

Purchase Intro

APR: 0%*

Period: 18 months on Purchases*

Purchase APR

12.99 - 22.99% Variable

Balance Transfer Intro APR

0%*

Balance Transfer Intro Period

18 months on Balance Transfers*

Annual Fee

$0*

Barclaycard® Rewards MasterCard® - Average Credit

Editor's Rating

  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
Apply Now Credit Needed: Average/Fair

Purchase Intro

APR: N/A

Period: N/A

Purchase APR

24.99%* Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$0