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Home »  Credit Card Calculators  » Question: How long will it take to pay off my credit card balance?

How long will it take to pay off my credit card balance? - Credit Card Calculator

Enter your credit card balance, interest rate and a monthly payment amount, then hit Calculate to see how long it would take to pay off your balance if you made that same payment every month (assuming you stopped putting new charges on the card, of course). To understand how just a little extra each month can affect the time until payoff, increase the monthly payment slightly and re-calculate -- the change may surprise you.

Enter your credit card's current balance:
$  
Enter the card's interest rate (listed as APR on your credit card statement):
 %
Enter a monthly payment amount (in dollars)
$  
Calculate
Pay Off Your Card Today - Transfer Your Balance.
Take advantage of one of these 0% balance transfer cards and pay off your card now.
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Balance Transfer 0% intro APR
18 months
3% fee
Regular APR 
10.99% - 22.99% Variable*
 
Intro APR 6 months
0% on purchases
Annual Fee
 $0
Credit Needed
Excellent
Who Uses This Card?
This card is best for consumers who want to earn cash back with no annual fee and are looking for a low introductory rate on purchases and balance transfers.
Cashback Rewards
Gas
1%*
Groceries
1%*
Other
Up to 5% in categories that change* and 1% on all other purchases*
Advertiser Comments
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  • Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
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Discover it®
Editor's Rating:4 Stars
Apply Now
Balance Transfer 0% intro APR
14 months
3% fee
Regular APR 
10.99% - 22.99% Variable*
 
Intro APR 14 months
0% on purchases
Annual Fee
 $0
Credit Needed
Excellent
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Balance Transfer 0%*
18 months on Balance Transfers*
3% of each balance transfer
($5 minimum)
Regular APR Variable
11.99% - 21.99%*
 
Intro APR 18 months on Purchases*
0%*
Annual Fee
 $0*
Credit Needed
Excellent
Apply Now
Balance Transfer 0%*
18 months on Balance Transfers*
3% of each balance transfer
($5 minimum)
Regular APR Variable
12.99 - 21.99%
 
Intro APR 18 months on Purchases*
0%*
Annual Fee
 $0*
Credit Needed
Excellent
Apply Now
Balance Transfer 0%
12 months*
3% of each balance transfer
($5 minimum)
Regular APR Variable
12.99% - 22.99%*
 
Intro APR 12 months*
0%
Annual Fee
 $0*
Credit Needed
Excellent
Apply Now
Balance Transfer 7.25% Variable

No balance transfer fee
Regular APR Variable
7.25%
 
Intro APR 
None
Annual Fee
 None
Credit Needed
Excellent
Citi ThankYou® Card
Editor's Rating:4 Stars
Apply Now
Balance Transfer 0%*
15 months on Balance Transfers
3% of each balance transfer
($5 minimum)
Regular APR Variable
12.99% - 22.99%*
 
Intro APR 15 months on Purchases
0%*
Annual Fee
 $0*
Credit Needed
Excellent
Apply Now
Balance Transfer 4.99%*
promotional rate for the life of the balance on transfers made from April 1, 2013 through June 30, 2013
No balance transfer fee
Regular APR Variable
9.99%
 
Intro APR 36 months
7.49%
Annual Fee
 $0
Credit Needed
Excellent
Apply Now
Balance Transfer 9.99%-20.99% Variable

None
Regular APR Variable
9.99%-20.99%
 
Intro APR 
N/A
Annual Fee
 None
Credit Needed
Excellent
Apply Now
Balance Transfer 9.25% Variable

No balance transfer fee
Regular APR Variable
9.25%
 
Intro APR 
None
Annual Fee
 None
Credit Needed
Excellent
Apply Now
Balance Transfer 0%*
12 months on Balance Transfers
3% of each balance transfer
($5 minimum)
Regular APR Variable
12.99% - 22.99%*
 
Intro APR 12 months on Purchases
0%*
Annual Fee
 $0*
Credit Needed
Excellent
Citi Simplicity® Card
Editor's Rating:5 Stars
Apply Now
Balance Transfer 0%*
18 months on Balance Transfers*
3% of each balance transfer
($5 minimum)
Regular APR Variable
12.99-21.99%
 
Intro APR 18 months on Purchases*
0%*
Annual Fee
 $0*
Credit Needed
Excellent

In the News
  • "As comprehensive a list as you'll find of all the credit card offers on the table now."

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