Calculator
Card payoff
Prefills the Fed’s average APR on accounts assessed interest: 22.15% (G.19, Q2 2026).
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%
$
Payoff at this payment
36 mo
$2,437 in interest
Payment to finish in 24 mo
$337.69
Total paid (current plan)
$8,937
Common questions
- How long to pay off my credit card?
- Enter the statement balance, APR, and the amount you can actually send each month. If the payment is at or below monthly interest, the balance never clears — a common trap at 22%+ APRs.
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