Credit Card Payment Calculator

Calculate minimum payments and payoff time for credit cards.

Credit Card Details

Current Balance

Annual Percentage Rate (APR) %

Payment Strategy

Minimum Payment Calculation

Minimum Payment Percentage (%)

Fixed Minimum Payment

Fixed Amount Above Interest

Monthly Payment Amount

Payment Percentage of Balance (%)

• Pay more than the minimum to reduce interest charges

• Consider balance transfers to lower APR cards

• Avoid new charges while paying down debt

Monthly Payment

Time to Pay Off

Total Interest

Total Paid

Current Balance:

Monthly Interest Rate:

Interest This Month:

Principal This Month:

Month	Payment	Interest	Principal	Balance

Save your calculations and get detailed breakdowns

All calculations run locally in your browser for privacy and speed.

Build v1.0.0.154154 • Aug 14, 2025, 02:49 AM EDT

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