Credit Card Interest Calculator

Compare minimum payments vs fixed payments and see how much you can save on credit card interest.

Minimum Payment Only

Months to Pay Off
485
Total Interest
$18,451
Total Payment
$23,451

Fixed Payment ($200/mo)

Months to Pay Off
33
Total Interest
$1,521
Total Payment
$6,521
Paying only the minimum will take much longer and cost significantly more in interest!

Payoff Timeline

How to Use

Enter your credit card balance, annual interest rate (APR), minimum payment percentage, and a fixed monthly payment amount you'd like to compare. The calculator shows side-by-side how long each strategy takes to pay off the debt and how much total interest you'll pay.

FAQ

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