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MoneyPlan · Free calculator

Credit card payoff calculator

How long your card takes to pay off, what paying only the minimum really costs, and the payment that clears it in 3 years.

Leave 0 to see only the minimum-payment path.

Many cards use 1% of the balance plus that month's interest.

Most cards set a floor of $25 to $40.

Minimum-payment rules vary by card; check your card agreement. Assumes no new purchases and a fixed APR. Educational estimate, not financial advice. Runs in your browser; nothing you type is sent anywhere.

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