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Hướng dẫn sử dụng hoàn chỉnh

What is the Credit Card Payoff Calculator?

This calculator shows how long it will take to pay off your credit card and how much interest you'll pay. You can choose: pay a fixed amount monthly, pay off in a specific number of months, or see the impact of minimum payments only. Results include a balance-over-time chart, principal vs interest breakdown, strategy comparison, and payment schedule.

Key Metrics

Payoff time

Months until balance is zero. Higher payments reduce this.

Total interest

Total cost of borrowing. Paying more than the minimum reduces it.

Strategy comparison

Compare minimum payment, fixed payment, double minimum, and 12- or 24-month payoff.

Cách sử dụng máy tính này

  1. Enter current balance and APR from your statement.
  2. Choose: fixed monthly amount, target payoff months, or minimum payment impact.
  3. Enter the amount or months as needed, then click Calculate.
  4. Review payoff time, total interest, charts, strategy comparison, and schedule.

Hiểu biểu đồ

Balance over time shows how your balance decreases each month. Payment breakdown (doughnut) shows principal (what you borrowed) vs interest (cost of borrowing).

Ghi chú quan trọng

  • Results are estimates. Minimum payments and APRs can change. Always pay at least the minimum on time.
  • Minimum payments are designed to maximize interest for the card issuer; paying more saves you money.
  • APR is the annual rate; we divide by 12 for monthly interest. Find it on your statement or online account.

Tips

•Pay more than the minimum whenever possible.
•Consider a 0% balance transfer if you can pay off within the promo period.
•Stop using the card while paying it off.
•Call your card issuer to ask for a lower rate.

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