Free tool

Interest & payoff calculator

Estimate the months to clear a balance and the interest it could cost. This is an educational estimate, not an offer or financial advice.

Estimated payoff

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Total interest—

Total paid—

Payoff date—

Estimate assumes a fixed APR and fixed monthly payment with no new charges. Real interest depends on your issuer's method, compounding, and any fees. Verify with your card terms. How APR works →

Want to pay 0% while you clear it?

Balance-transfer cards offer an interest-free window. See the trade-offs first.

Balance-transfer cards →