Credit Card & Debt Payoff Calculator – Plan Repayment Online Free

Calculate payoff time, total interest, and monthly payments for credit card debt or any loan. 100% free · Instant results · Works in your browser.

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Select Calculator:

Result:

–

Total Interest Paid: –

Total Amount Paid: –

How to Use Credit Card & Debt Payoff Calculator (3 Easy Steps)

  1. Choose calculator type: payoff time or required monthly payment
  2. Enter your current balance and annual interest rate
  3. Enter monthly payment or desired months – see payoff details instantly

Frequently Asked Questions

Is this calculator free?

Yes – 100% free, unlimited use, no signup required.

Does it include fees or taxes?

No, calculates interest only. Add any fees separately.

How is interest calculated?

Uses standard compound interest formula with monthly compounding.

What if payment is too low?

It will warn if payment doesn’t cover interest (balance grows).