Credit Card Payoff Calculator

CardPayoff helps you figure out exactly how long it will take to pay off a credit card and how much interest you will pay along the way. Enter your current balance, APR, and planned monthly payment, then add an optional extra payment to see how much interest and time you can save. Results update live as you type and include total monthly payment, total interest, total paid, first-month principal, and the estimated debt-free month. Save multiple payoff scenarios with your notes and load any of them back instantly to keep testing new payment strategies. Quick-start presets for common card situations let you get started immediately without building a scenario from scratch.