Payoff Formula

A free credit card payoff calculator. Enter your balance, credit limit, APR, and timeline — see exactly what to pay each month.

Payoff Formula helps you build a clear plan to pay off your credit card debt.

Enter your balance, credit limit, interest rate, and how long you want to pay it off. The app calculates your monthly payment using a utilization-based formula and shows you a complete month-by-month schedule.

No guessing. No hidden math. Every step of the formula is shown so you understand exactly what you're paying and why.

Features:

Step-by-step math breakdown of your payoff plan Month-by-month payment schedule with utilization tracking Color-coded utilization zones (red, yellow, green) Add multiple credit cards and compare plans Summary with highest payment, lowest payment, and total cost All data stored locally on your device No login, no ads, no tracking, completely free

Built by DevAppStudios.