Free payoff calculator
See how long it will take to pay off your credit card debt
Enter your balances, rates, and monthly payment to see your payoff date, total interest, and the fastest path out of debt.
Takes about 60 seconds. No sign-up.
Just need a quick number? Use a focused calculator ↓- No login required
- No credit check
- Estimate only
- Private on this device
Last reviewed May 2026 by the AnyCreditWelcome editorial team.
Quick calculators
Need a fast answer? Use one of these focused tools — no setup, no sign-up.
What monthly payment do I need?
Tell us your balance, APR, and target payoff time. We'll show the monthly payment.
What you owe on the card today.
The interest rate from your statement.
How fast you want to be debt-free.
Uses the standard loan-payment formula. Assumes a fixed APR and no new purchases.
Common questions
How we calculate this
Each month, we add interest to your balance, then subtract your payment. Interest gets paid first, then principal. We repeat the process every month until your balance reaches zero.
In multi-card mode, every card gets its minimum payment first. Then extra money goes to one card at a time, based on the strategy you picked: highest APR first (avalanche) or smallest balance first (snowball).
Ready to see your real payoff date?
Enter your cards once and get a debt-free date, total interest, and the smartest order to pay them down.
Free. No sign-up. Your numbers stay on this device.