Credit Card Payoff
Estimate payoff time and interest for a credit-card balance using a fixed monthly payment.
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Estimate payoff time and interest for a credit-card balance using a fixed monthly payment.
Calculated:
Source: · Formula release: 2026.10-r4 · Receipt: SV-2026104-1BPJ2WS · Educational estimate, not a quote. Verify all assumptions.
Displayed amounts and percentages are rounded for readability. Calculations generally retain more precision; adding rounded rows can differ slightly from a displayed total. The formula and assumptions describe any rounding that is part of the calculation itself.
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $350.00 | $166.67 | $183.33 | $9,833.33 |
| 2 | $350.00 | $169.72 | $180.28 | $9,663.61 |
| 3 | $350.00 | $172.83 | $177.17 | $9,490.78 |
| 4 | $350.00 | $176.00 | $174.00 | $9,314.77 |
| 5 | $350.00 | $179.23 | $170.77 | $9,135.55 |
| 6 | $350.00 | $182.51 | $167.49 | $8,953.03 |
| 7 | $350.00 | $185.86 | $164.14 | $8,767.17 |
| 8 | $350.00 | $189.27 | $160.73 | $8,577.90 |
| 9 | $350.00 | $192.74 | $157.26 | $8,385.16 |
| 10 | $350.00 | $196.27 | $153.73 | $8,188.89 |
| 11 | $350.00 | $199.87 | $150.13 | $7,989.02 |
| 12 | $350.00 | $203.53 | $146.47 | $7,785.49 |
Uses a fixed APR, monthly interest, fixed payment, entered annual fees and no new purchases. Issuer daily balances, compounding, minimum-payment formulas and promotional-rate expirations can differ.
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