Credit Card Debt Payoff Calculator
See exactly how long it will take to pay off your debt — and how much interest you will pay. Enter your numbers below to get your personalized payoff plan.
By DebtRoute Editorial Team · Updated June 2026 · Free to use
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Enter your current credit card balance, the interest rate (APR) on that card, and how much you can pay each month. The calculator instantly shows you your payoff timeline, total interest cost, and how much you could save by paying a little more each month.
The average American carries $6,580 in credit card debt at an average APR of 21.52%. At minimum payments of around $130/month, that takes over 8 years to pay off and costs more than $5,000 in interest.
Your Options if the Numbers Look Bad
0% Balance Transfer
Move your balance to a card with 0% intro APR for 15–21 months. Every dollar goes to principal.
See Best Cards →Debt Consolidation Loan
Replace multiple high-interest cards with one lower-rate personal loan. Simplify and save.
Compare Loans →Debt Settlement
If you have $7,500+ in debt and are struggling, settlement can reduce what you owe by 30–50%.
See Top Companies →This credit card debt payoff calculator helps you create a clear payoff plan. The credit card debt payoff calculator above uses your actual balance and APR to show a realistic timeline — no guesswork required.