Debt tool
Estimate payoff time, total interest, and the impact of extra payments. Your numbers stay in your browser.
Educational estimate only. Credit card issuer minimum payment rules, rates, fees, promotions, and compounding can vary.
Use your current statement balance and annual purchase interest rate. If you know the exact payment you plan to make each month, enter it as a fixed payment. Otherwise, use a percentage minimum estimate and add any extra amount you can commit.
Compare multiple balances in the debt repayment calculator, then check affordability with the budget calculator.
No. This calculator does not request your credit report, submit an application, or connect to a bank.
Issuers can use their own minimum payment formulas. Use your statement amount when you know it.