LockHabit

Credit Card Payoff Calculator

Compare paying the minimum vs a fixed monthly amount. Get payoff time, total interest, and a clear month-by-month schedule. Inputs auto-save on this device.

Inputs

We’ll apply the greater of the percentage or $25 (and never more than remaining balance).
Estimates only. Issuer policies vary.

Results

Monthly payment used
Months to payoff
Total interest
Total paid

Month-by-month schedule

MonthPaymentInterestPrincipalBalance
Total
Assumes interest compounds monthly from APR/12 and no new purchases/fees.