Credit card payoff calculator
What you owe now.
21.19% is the average, August 2026.
The same amount every month.
From your statement. Blank estimates 1% of the balance plus interest.
Paid off in 2 years, 10 months
Paying $200 a month on $5,000 at 21.19%, you're debt-free in 34 payments and pay $1,655 in interest, $6,655 in all. Paying only the minimum, starting at $139 and shrinking with the balance, would take 19 years, 1 month and cost $7,782 in interest.
- Time to pay off
- 2 years, 10 months
- 34 monthly payments
- Total interest
- $1,655
- $6,655 paid in all
- Paying only the minimum
- 19 years, 1 month
- $7,782 interest, from $139 a month
- To pay off in 3 years
- $189 a month
- $1,799 interest
Year-by-year table
| After | $200 a month | Minimum payments only |
|---|---|---|
| Now | $5,000 | $5,000 |
| 1 year | $3,521 | $4,432 |
| 2 years | $1,697 | $3,928 |
| 3 years | $0 | $3,482 |
| 4 years | $0 | $3,086 |
| 5 years | $0 | $2,736 |
| 6 years | $0 | $2,425 |
| 7 years | $0 | $2,149 |
| 8 years | $0 | $1,905 |
| 9 years | $0 | $1,689 |
| 10 years | $0 | $1,497 |
| 11 years | $0 | $1,327 |
| 12 years | $0 | $1,176 |
| 13 years | $0 | $1,042 |
| 14 years | $0 | $924 |
| 15 years | $0 | $808 |
| 16 years | $0 | $666 |
| 17 years | $0 | $491 |
| 18 years | $0 | $275 |
| 19 years | $0 | $8 |
| 19 years, 1 month | $0 | $0 |
$200 a month: paid off in 2 years, 10 months. Minimum payments only: paid off in 19 years, 1 month.
Credit card payoff calculator by Points Frog ↗ · An educational estimate, not financial advice.