Credit Card Calculator
Enter your balance, APR and payoff term to see the monthly payment and total interest.
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- No sign-up
Enter the balance, APR and term to see the payment.
Worked example
With these example inputs:
- Card balance$6,000
- APR20%
- Payoff term4 yr
Monthly payment: $182.58
- Loan amount$6,000
- Total interest$2,764
- Total of payments$8,764
- Payoff time4 yr
Frequently asked questions
How long will it take to pay off my card?
That depends on the balance, APR and how much you pay each month. A $6,000 balance at 20% paid over 4 years costs about $183 a month.
Why pay more than the minimum?
Minimum payments stretch the debt for years and pile on interest. A fixed, higher payment clears the card faster and cuts the total interest sharply.