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Debt payoff calculator
See how many months a balance takes to clear at a fixed monthly payment, and what extra payments would save.
The calculator solves for the number of months needed to amortise a balance at a fixed payment, then repeats the calculation with the extra payment added. If the payment does not cover the first month's interest the balance never clears, and the calculator says so instead of printing a number — that is the trap the minimum payment on a high-rate card sets.
This calculator is an estimate, not an offer, a quote, or financial advice. We are not a lender and we do not set rates or make credit decisions.