Calculator
Debt payoff calculator
See how your monthly payment size changes your debt payoff timeline and total interest paid — and how much even a small extra payment can save you over time.
Rule of thumb
Debt payoff calculator
Show how payment size affects payoff time and interest. Minimum-payment rules, fees, promo rates, and new charges can change actual results.
Use this to compare a minimum-only plan with a fixed extra payment.
Payoff time0 months
Total interest$0
Total paid$0
Every dollar above the minimum is a guaranteed return equal to your interest rate. Paying off 22% credit card debt is like earning 22% on that money, risk-free.