How long will your credit card take to pay off? Find out in seconds
Type your balance, APR and monthly payment to see the months, the total interest and the exact payment that clears the card by your goal date.
- ⚡ Instant download
- 🔒 Secure checkout by Stripe
- ↩️ 7-day guarantee
Sound familiar?
- Minimum payments barely touch the balance
- You don’t know how much interest the card is really costing you
- You want a payoff date, not a vague hope
The Credit Card Payoff Calculator fixes that in a few minutes, for $2.
What changes when you use it
The real cost of your card
Months to payoff and total interest at your current payment.
Pick a goal, get the payment
Type “pay off in 18 months” and see exactly how much to pay each month.
Compare in one glance
See how much time and interest each extra $50, $100 or $200 saves.
Every payment explained
A schedule with interest and principal for each month, plus a balance chart.
What's inside the spreadsheet
- Balance, APR, monthly payment and goal in months
- Months to payoff and total interest
- Interest charged in the first month
- Payment needed for your goal and its interest
- Comparison of 5 payment amounts
- 120-month payment schedule
- Balance chart
- How to use tab
Ready in 3 simple steps
Buy securely
Pay $2 once through the secure checkout (Stripe).
Download instantly
Your file is ready right after payment and also arrives in your e-mail.
Fill in and use
Open it in Excel, type your data and let the formulas do the work.
Made for
Everything you get
- Credit Card Payoff Calculator (.xlsx file), 100% editable
- Instant download right after payment, plus the link in your e-mail
- Use it on as many of your own computers as you need
- No subscription and no monthly fees, ever
- Free e-mail support to help you get started
- 7-day money-back guarantee
Works with: Excel 2010 or newer on Windows or Mac · also opens in Google Sheets
More than one debt? See the Debt Snowball Calculator.Credit Card Payoff Calculator
$2
Less than one month of interest — and you will see exactly how to stop paying it.
Download nowFrequently asked questions
Does it include new purchases?
No. It assumes you stop using the card while paying it off.
What if my payment is too low?
If the payment does not cover the interest, the calculator tells you the payment is too low.
I have several cards. What should I use?
Use this for one card, or the Debt Snowball Calculator for up to 8 debts.
How do I receive the spreadsheet?
Right after payment you get the download link on screen and by e-mail. Lost it? Get new links anytime on the "My downloads" page.
Which software do I need?
Microsoft Excel 2010 or newer (including Microsoft 365) on Windows or Mac. It also opens in Google Sheets and LibreOffice, although some formatting may look slightly different.
Can I edit it and add my logo?
Yes. The file is not locked: you can rename labels, add rows and put your own logo in it.
What language is the file in?
English.
Is it a subscription?
No. You pay $2 once and the file is yours to use for as long as you want.
What if it is not what I need?
You have 7 days to try it. If it does not meet your needs, write to us and we will help you, exchange it for another template or refund your payment.
More about the Credit Card Payoff Calculator
Type your balance, APR and monthly payment to see the months, the total interest and the exact payment that clears the card by your goal date.
What's inside
- Balance, APR, monthly payment and goal in months
- Months to payoff and total interest
- Interest charged in the first month
- Payment needed for your goal and its interest
- Comparison of 5 payment amounts
- 120-month payment schedule
- Balance chart
- How to use tab
Works in Microsoft Excel 2010 or newer (Windows and Mac) and opens in Google Sheets. One-time payment, instant download.
Get organized today for just $2
Download the Credit Card Payoff Calculator now and start using it in minutes.
Download now for $2One-time payment · Instant download · 7-day guarantee
