Credit card payoff calculator
See how long it takes to pay off your credit card and how much interest you pay.
Time to pay off
2 yr 10 mo
Total months34
Total interest$1,800.00
Estimate assuming a fixed payment and no new charges.
How the calculation works
With a fixed payment, the number of months is n = −log(1 − balance·r/payment) / log(1+r), where r is the monthly rate (APR ÷ 12).
Frequently asked questions
Why does a small payment take so long?
Most of it goes to interest, so the balance barely drops. Paying more shortens it a lot.
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Updated on June 18, 2026 · by Rafael Rossi · Methodology & sources