Credit Card Payment Calculator

Use this credit card repayment calculator to determine how much your monthly payment will be or how long it would take to pay off your credit card balance. This calculator will also show you the total amount and interest you will have paid.

To use this calculator, enter your credit card balance, your card’s interest rate, and choose whether you want to pay off your credit card bill in a set amount of time or how much you want to put monthly towards your credit card debt. Then click “Calculate”. The calculator will do the heavy lifting for you and show you the results.

Credit Card Balance ($)

Annual Percentage Rate

Desired Pay-off Time


Monthly Payment Amount ($)

Monthly payment:

Time to pay off:

Total interest paid:

Total amount paid:


Having an idea how long it will take for you to pay off your card can help you put together a budget to tackle your credit card debt. When you only pay the minimum monthly payment amount, it can take you years to pay off your credit cards all the while racking up massive interest charges.