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Home »  Credit Card Calculators  » Question: How much should I pay each month to get my credit card paid off?

Question: How much should I pay each month?

Enter your credit card's current balance, its annual interest rate, and the amount of time in which you'd like to get the card paid off. This calculator will tell you how much to pay each month to reach that goal. (This assumes you won't make any more purchases with the card during the payoff period.)

Question: How much should I pay each month to get my credit card paid off?
Step 1: Enter the current balance on your credit card. (How much do you owe?)
$  
Step 2: What is the card's interest rate (shown as APR on your credit card statement)?
 %
Step 3: Over what period of time would you like to get this card paid off (in months, please)?
months
Calculate
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Apply online forCommerce Bank® Unlimited Cash Back1 Rewards Credit Card
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Credit Needed:
Excellent, Good

Commerce Bank® Unlimited Cash Back1 Rewards Credit Card


Editor's Rating:4 Stars
  • 0% Intro APR3for 12 monthly billing cycles for purchases and balance transfers, then 14.24% - 27.24% Variable APR4. Balance Transfer fee of 5%, $10 minimum.
  • $0 Annual Fee*
  • 3% Cash Back1 at Coffee Shops, Fast Food Locations and on Ridesharing Services2
  • 2% Cash Back1 at Gas Stations2 and Restaurants2
  • Plus, 1% Cash Back1on all other purchases! Cash Back redemption is applied as a statement credit.
  • Unlimited Cash Back1on every purchase - no rotating categories, no sign ups and no point caps
Apply online forPenFed Gold Visa® Card
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Credit Needed:
Excellent

PenFed Gold Visa® Card


Editor's Rating:4 Stars
  • $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • 0% APR promo balance transfer rate for 12 months now through March 31, 2020. After that, the APR for the unpaid balance and any new balance transfers will be 8.99% to 17.99%. APR will vary w/the market based on Prime Rate. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Rate and offers current as of September 1, 2019 and subject to change.
  • No annual fee
  • No foreign transaction fee
  • No cash advance fees
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable Rate As Low As 8.99% APR
Apply online forPenFed Promise Visa® Card
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Credit Needed:
Excellent

PenFed Promise Visa® Card


Editor's Rating:4 Stars
  • $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • 4.99% APR promo balance transfer rate for 12 months with no balance transfer fee now through March 31, 2020. After that, the APR for the unpaid balance and any new balance transfers will be 11.74% to 17.99%. APR will vary w/the market based on Prime Rate. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Rate and offers current as of September 1, 2019 and are subject to change.
  • Absolutely no fees
  • No annual fee
  • No late fee
  • No cash advance fee
  • No foreign transaction fees
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable rate as low as 11.74% APR
Apply online forAvianca Vuela Visa® Card
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Credit Needed:
Excellent,Good

Avianca Vuela Visa® Card


Editor's Rating:4 Stars
  • Get up to 60,000 bonus LifeMiles for a limited-time! Standard 40,000 welcome bonus after first purchase, plus 20,000 bonus miles after at least $1,000 spend on purchases within the first 90 days of account opening (total of 60,000). Promo code SB4060 must be entered when completing application in order to receive the additional 20,000 welcome bonus miles after qualifying purchases.
  • Earn 3 LifeMiles per $1 spent on Avianca purchases
  • Earn 2 LifeMiles per $1 spent at gas stations and grocery stores
  • Earn 1 LifeMile per $1 spent on all other purchases
  • No foreign transaction fees
  • 15% discount on purchases of miles with Multiply Your Miles
  • Free additional piece of baggage for travel between the United States and Central America
  • A 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $12,000 spent each year
  • An additional 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $24,000 spent each year
  • 0% Introductory offer for 12 months on Balance Transfers
  • Chip-enabled card provides added security
  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • Protection against unauthorized charges
  • Emergency Card Replacement
  • Online Account Management
  • Electronic Statements
  • Auto-pay option
Apply online forAvianca Vida Visa® Card
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Credit Needed:
Excellent,Good

Avianca Vida Visa® Card


Editor's Rating:4 Stars
  • Get up to 40,000 bonus LifeMiles for a limited-time! Standard 20,000 welcome bonus after first purchase, plus 20,000 bonus miles after at least $1,000 spend on purchases within the first 90 days of account opening (total of 40,000). Promo code SB4060 must be entered when completing application in order to receive the additional 20,000 welcome bonus miles after qualifying purchases.
  • Earn 2 LifeMiles per $1 spent on Avianca purchases
  • Earn 1 LifeMile per $1 spent on all other purchases
  • 15% discount on purchases of miles with Multiply Your Miles
  • No cap on the number of LifeMiles you can earn
  • 0% Introductory offer for 12 months on Balance Transfers
  • Chip-enabled card provides added security
  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • Protection against unauthorized charges
  • Emergency Card Replacement
  • Online Account Management
  • Electronic Statements
  • Auto-pay option

Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.


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