Minimum payments keep you in debt for years. Enter your balance, APR, and payment to see the months and interest to payoff — then plan it, with extra-payment scenarios, using the full tool.
Months, interest, and the power of paying a little extra.
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Because a large share of a minimum payment goes to interest, not the balance — especially at high APRs. Early on, you might be paying mostly interest, so the balance barely moves. That's why minimum-only payoff can stretch to a decade or more and cost far more in interest than the original balance. Paying even a little above the minimum dramatically shortens it.
A lot, because every extra dollar goes straight to the balance and then stops accruing interest. Increasing your monthly payment often cuts the payoff time by years and saves a large chunk of interest. This calculator lets you test different payments so you can see the effect of paying more before you commit to it.
A ready-to-use spreadsheet (Excel & Google Sheets): months and total interest to clear a card, extra-payment scenarios, and a multi-card payoff order — delivered instantly after checkout. AI-assisted, human-built; not financial advice.
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