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Payoff Time Calculator
Find out how long it will take to pay off your credit card and how much interest you'll pay.
Card Details
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Payoff Timeline
Enter your balance and monthly payment to see your payoff timeline.
Why Payoff Time Matters
Credit card interest compounds, which means you pay interest on your interest. Even small increases in your monthly payment can save you hundreds or thousands of dollars.
Tip: Try increasing your monthly payment by even $25 or $50 and see how much faster you pay it off. The difference is often surprising.
Strategy: If you have multiple cards, consider the avalanche method (pay off highest APR first) or the snowball method (pay off smallest balance first for motivation).