Debt payoff calculator
See what a fixed payment could mean for time and interest.
A clearer picture starts with the inputs.
Enter the figures, then calculate. The result will show here with the important limits.
No loan application, settlement offer or provider request is made.
Method, assumptions & limits
The calculation runs in your browser. Inputs are not submitted to a provider and are not saved to an account. Your browser may restore form values when you navigate back. Use Reset inputs when finished on a shared device. Figures are illustrative US dollars. Uses APR ÷ 12 and monthly interest rounded to the nearest cent (positive half-cents round up), then the payment. The final payment may be smaller. Assumes no new spending, fees or rate changes. Actual cards may calculate interest daily. If the payment cannot cover modeled interest, no payoff is shown. Modeling stops at 1,200 months.
Sources for this page
Selected public guidance checked October 29, 2026. Source guidance is general; laws, contracts, program terms and individual circumstances can change the result. How we use sources.
Get help with your debt
Tell us what you owe and what kind of help you are looking for.