Credit Card Payoff Calculator

Compare minimum payments vs. a fixed amount — see exactly how long it takes and how much interest you'll pay.

Card Details

$
%

Loading current rate…

%

Typical minimum is 1–3% of balance (min $25).

$

Leave 0 to use current minimum as fixed baseline.

💸 Minimum Payments
Time to payoff
Total interest paid
✅ Fixed Payment
Time to payoff
Total interest paid
Interest saved with fixed payment
Balance Over Time: Minimum vs. Fixed Payment

* Minimum payment floored at $25. Simulation caps at 600 months.