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Credit Card Payoff Calculator

How To Use Credit Card Payoff 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.

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Take advantage of low interest rates and fixed monthly payments, making personal loans ideal for credit card debt consolidation.
Save money with interest rates significantly lower than most credit card rates.
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You can simplify your finances and consolidate your credit card debt into one low monthly payment with a personal loan.

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*Disclaimer: Savings vary depending on account usage and payment behavior.

How we calculate savings

How we calculate savings: Our algorithm factors in the introductory balance transfer rate, length of the introductory period, balance transfer fee, ongoing interest rate, annual fee and data entered into the filter in order calculate savings and the time needed to pay off a balance. The algorithm is designed to yield reasonably accurate results.