Credit Card Payoff Calculator
See how long it takes to pay off your credit card — and how much interest it costs along the way.
Time to pay off
2 yr 8 mo
Total interest
$1,979.05Total paid
$7,979.05Private — runs entirely in your browser. Nothing is sent or stored.
This tool is for education and planning only. It is not financial advice. Your inputs run in your browser and are not stored by Recurrings.
A recurring payment with a finish line
A credit card payoff is one recurring payment you actually want to end. Enter the balance, the APR, and what you can pay each month to see how many months it takes and how much interest you'll hand over getting there.
Try nudging the monthly payment up: because every dollar above the interest goes straight to principal, even a small increase can cut months — sometimes years — and a large chunk of interest off the total.
How this fits into your recurring money
High-interest debt is recurring money working hardest against you — interest compounding every month on the balance. The payment is a temporary recurring cost, but the interest is the part that quietly drains the rest of your money while it lasts.
That's where the rest of Recurrings connects: the unused subscriptions and price creep it surfaces are exactly the dollars you could redirect at the balance — and the sooner the debt clears, the sooner that money is yours again.
The math
each month: interest = balance × (APR ÷ 12)
balance = balance + interest − payment (until it hits 0)The calculator steps month by month: interest is added to the balance, your payment is subtracted, and it repeats until the balance is cleared. If a payment doesn't cover that month's interest, the balance grows instead of shrinking and never pays off — the tool will tell you.
An educational estimate assuming a fixed APR and no new charges — not financial advice.
Common questions
Why does a small payment take so long?
Because interest is charged on the whole balance every month. If your payment only just exceeds the interest, almost none of it touches the principal — so the balance barely moves and the months stack up.
What if my payment doesn't cover the interest?
Then the balance grows instead of shrinking and never clears — the calculator will say so. The fix is simple but not easy: pay more than the monthly interest, ideally a lot more.
How do I pay it off faster?
Raise the monthly payment (every extra dollar goes straight to principal once interest is covered), or move the balance to a lower rate. The total-interest line shows how much either move saves.
Related free tools
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The true cost of paying only the minimum.
Monthly Recurring Expense Calculator
Every recurring expense in one monthly and yearly total.
Cancel Unused Subscriptions Calculator
What you'd save by cancelling subscriptions you don't use.
Monthly Savings Calculator
The monthly amount needed to hit a savings goal.
The fastest payoff frees up the most money
Recurrings surfaces the recurring waste you can redirect at the balance — turning cut subscriptions into a faster payoff.
recurrings.ai is in private beta. No card required.