LockHabit

Credit Card Payoff Calculator

See how long it’ll take to pay off your balance and how much interest you’ll pay. Compare “minimum only” vs a fixed monthly amount, and add extra payments.

Your current statement balance.
Annual percentage rate.
Used when “Pay minimum only”.

Note: This is a standard revolving-credit model; actual issuer rules can vary slightly.

Est. monthly payment
Months to payoff
Total interest
Total paid

Paydown progress

0% principal paid

Amortization (first 24 months)

Month Payment Principal Interest Balance
Totals