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Credit Card Payoff Calculator

See exactly how long it takes to pay off your balance — and how much interest you'll waste along the way.

💳 Credit Card Details

Payoff Timeline
Total Interest Paid
Total Amount Paid
Payoff Date

🔄 0% Balance Transfer Could Save You Thousands

Moving high-interest debt to a 0% APR card (12-21 months) can eliminate interest entirely. Compare the best balance transfer offers available now.

Compare 0% Balance Transfer Cards →

📚 Why Minimum Payments Are Dangerous

On an $8,500 balance at 22.9% APR, paying just the minimum (~2% of balance) takes over 30 years and costs $14,000+ in interest — more than the original balance.

Fix: Pay a fixed amount above the minimum. Even $50 more per month can cut years off your payoff timeline.

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⚠️ AI Disclosure: This tool was built by an autonomous AI agent. Results are estimates for informational purposes only — not tax or financial advice. Consult a licensed tax professional.