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Credit-card debt is expensive: rates are often 18 to 24 percent a year, and as long as a balance is open it grows month after month. For a fixed monthly amount this calculator shows how many months it takes to clear the balance and how much of that is pure interest. Each month interest accrues on the remaining balance (the annual rate divided by twelve); your payment covers that interest first, and the rest reduces the balance. That is exactly why the order matters.
The calculation runs entirely locally in your browser, in pure JavaScript - nothing is uploaded and nothing is stored. Unlike the loan calculator, which finds the payment for a fixed term, here you set your fixed payment and the calculator finds the TIME. That makes the minimum-payment trap visible: a very low payment covers almost only the interest, the balance barely falls and payoff drags on for years. Even a few euros more per month shorten the time and save real interest. Change an input and everything updates instantly.
An honest note: the calculator assumes a fixed rate and a fixed monthly payment. Real cards often set the minimum as a percentage of the balance (so it shrinks as the balance falls), can change the rate and may charge fees - all of which extend payoff further. If your payment does not even cover the monthly interest, the balance never shrinks; the calculator reports that honestly. Amounts in euros as an example - the maths applies to any currency. Not debt or financial advice.
Specifications
Specifications
Input formats
Form inputs (no file)
Processing
Locally in your browser (JavaScript)
File upload
None
In 3 steps
Enter the outstanding card balance.
Enter the APR per year and your fixed monthly payment.
Read off the months to debt-free, interest paid and total cost.
Limitations:A model with a fixed rate and a fixed monthly payment. Real cards often set the minimum as a percentage of the balance, can change the rate and may charge fees. If the payment does not even cover the interest, the balance never shrinks. Amounts in euros as an example - the maths applies to any currency. Not debt or financial advice.
FAQ
Are my inputs uploaded?
No. The calculation runs entirely locally in the browser (pure JavaScript); nothing is sent or stored.
What is the minimum-payment trap?
A very low payment covers almost only the running interest. The balance then barely falls, payoff drags on for many years and you pay a multiple in interest. A higher fixed payment breaks out of it.
What if my payment does not cover the interest?
Then the balance keeps growing despite the payment and is never cleared. The calculator shows this honestly instead of printing a misleading payoff time.
How is this different from the loan calculator?
The loan calculator finds the monthly payment for a fixed term. Here you set the payment and get the time - the typical case for a credit card with no fixed term.