Debt Repayment Calculator

See how long it could take to pay off your credit card debt.

Start with your details.

Balance owed

Enter the total amount of debt you currently owe.

Estimated interest rate

Enter the annual interest rate (APR). Check your statement or account details. Average credit card APRs are often 15-25% or higher. Variable APRs can change with market rates (like the Prime Rate).

Choose how to calculate:

Pay this amount monthly

Enter the amount you plan to pay each month.

Pay off in this many months

months

Enter the number of months you want to take to pay off the debt.

This calculator is meant for educational purposes only. It calculates estimated monthly payments or payoff times based on the inputs provided and does not account for fees, changes in interest rates, or minimum payment requirements which may vary by issuer.

Enter your debt details to see the results.