Does a small extra really matter?

Hugely — on high-APR cards, an extra $50–$100/month can cut years and over a thousand dollars in interest.

What if my payment barely covers interest?

Then the balance hardly moves. The calculator flags when a payment is too low to make progress.

Calculators › Debt & Credit › Credit Card Payoff Calculator

Credit Card Payoff Calculator

Small extra payments crush credit-card debt fast, because every dollar above interest goes straight to principal. Enter your balance, APR, and payment to see your payoff date and what an extra amount each month saves.

The card

Balance

APR

Monthly payment

Extra / month

Months to pay off

Interest saved by the extra

$1,512

Months sooner

The numbers

Total interest (with extra)

$1,286

US$9.99 · download & own it forever

Prices in

✓ Includes the full toolkit. One purchase — this calculator already does everything these do, no add-ons: Credit Card Interest Calculator · Debt Payoff Time Calculator

How it's calculated

Each month interest is added, then your payment is applied to the balance.
We simulate your current payment and your payment plus the extra.
The gap in interest and months is what the extra buys you.

Our methodology & 2026 data sources →

Frequently asked questions

Does a small extra really matter?: Hugely — on high-APR cards, an extra $50–$100/month can cut years and over a thousand dollars in interest.
What if my payment barely covers interest?: Then the balance hardly moves. The calculator flags when a payment is too low to make progress.

Credit Card Payoff Calculator

The card

The numbers

How it's calculated

Frequently asked questions

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