APR Payoff Planner

See exactly how long it will take to pay off your credit card and how much less you could pay

Enter your current balance, APR, and monthly payment to see your full payoff timeline. If you're eligible for a special program — like SCRA for active-duty service members or a hardship rate from your issuer — you can add that too and compare scenarios side by side.

Select Credit Card (Optional)

Filter by Issuer Select an issuer to filter cards

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Balance & APR Information

Current Balance ($) *

Regular APR (%) *

Monthly Payment ($) * Minimum: $35 or 2% of balance

Promotional Periods (Optional)

Leave at 0 if not applicable

Intro APR (%)

Intro Months

Promo Financing APR (%)

Promo Months

Fees to Include in Balance (Optional)

Add fees to starting balance

Target Payoff Time (Optional)

Target Months to Payoff Leave at 0 to calculate naturally based on monthly payment

Special Programs & Benefits

Check all that apply to see comparison scenarios

SCRA Eligible (Active Duty Military - 6% APR Cap)

Servicemembers Civil Relief Act - Applies to debts incurred before active duty

MLA Compliant (Active Duty + Dependents - 36% APR Cap)

Military Lending Act - Applies to new credit extended to active duty and covered dependents

Hardship Program Available (Reduced APR for Financial Difficulties)

Special program for customers experiencing financial hardship

Information

Why we need this information

The calculator uses the following fields to generate accurate results:

Select Card Applies card-specific promotional rules
Promo Duration (Months) Determines the length of the promotional period
Starting Balance ($) Sets the initial balance for calculation
Regular APR After Promo (%) Applies interest after the promo ends
Monthly Payment Controls how quickly the balance is paid down
New Purchases Per Month ($) Adjusts balance based on ongoing spending

Results may vary if any of the above details are incorrect or incomplete.