All credit card calculators

Enter your balance, APR, and monthly payment to see your exact payoff date, total interest, and total amount paid.

Tell us when you want to be debt-free and we'll calculate the exact monthly payment you need to make it happen.

See how long it really takes — and how much interest you'll pay — if you only ever make the minimum payment.

Calculate exactly how much interest your credit card balance generates per month and per year at your APR.

Find out exactly how many months and how many dollars in interest an extra monthly payment can save you.

Pay off your smallest balances first for fast psychological wins, then roll payments into the next card.

Attack your highest-APR card first to minimize total interest paid across all of your credit cards.

Combine all of your cards into one payoff plan and compare snowball vs. avalanche side by side.

Compare the true cost of staying put versus transferring your balance to a 0% intro APR card, fees included.

See exactly how much a lower APR would save you in interest on the same balance and monthly payment.