Atlas

Credit Card Payoff Calculator

Months to payoff and total interest, by balance and APR.

Balance

$

APR

%

$5,000 at 22% APR

Monthly paymentTime to payoffTotal interest
$100/mo (minimum only)11 years 10 months$9,121
$150/mo4 years 5 months$2,846
$200/mo2 years 10 months$1,773
$250/mo2 years 2 months$1,301
$300/mo1 year 9 months$1,033
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Permalink to $5,000 at 22% APR

Most credit card debt falls somewhere between a $1,000 and $25,000 balance at 15%–29% APR. Enter your own numbers above, or pick a chip close to your card, to see exactly how long payoff takes and how much interest you'll pay at several monthly payment levels. For more than one card paid off in snowball order, use the free debt snowball calculator.

Other debt types: car loan payoff calculator, personal loan payoff calculator.

FAQ

How does this credit card payoff calculator work?

Enter your balance and APR on the left to see months-to-payoff and total interest at several monthly payment levels, updated instantly. For your exact numbers — including multiple cards paid off in snowball order — use the full free calculator.

What is the debt snowball method?

The debt snowball method pays the minimum on every debt while directing every extra dollar at the smallest balance first. Once that balance hits zero, its payment rolls onto the next-smallest one, so balances disappear faster and faster.

Does a higher monthly payment always mean a faster payoff?

Yes — the relationship is direct. The table shows several payment levels side by side so you can see exactly how many months (and how much interest) a higher payment saves for your balance and APR.

Atlas tracks your real balance and recomputes your payoff date as you pay it down.

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Atlas provides educational tools and estimates, not financial, legal, or tax advice. Projections depend on the numbers you enter. Consider a nonprofit credit counselor (nfcc.org) for personalized help.