Calculator
Assumes you stop adding new charges and make consistent monthly payments. Add an “extra payment” to see how quickly the timeline improves.
Inputs
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FAQ
Quick answers about payoff math.
Do these results assume I keep using the card?
No—this model assumes you stop adding new charges and make steady payments each month.
Why can my statement interest differ?
Cards often use daily compounding and may apply fees. This is a simplified monthly estimate to help you plan.