Estimate how long a credit card balance could take to clear based on your balance, APR and monthly payment. Useful for comparing repayment plans, spotting when interest is slowing you down, and seeing the real cost of minimum-style payments.
This calculator assumes interest is added monthly using the quoted APR. Actual card issuers can use slightly different compounding methods, promotional rates, fees and statement timings, so treat the result as a strong planning estimate rather than a lender quote.
If your monthly payment is lower than the monthly interest, the balance will not shrink. Raising payment size usually cuts payoff time dramatically because less interest compounds month after month.