Credit Card Repayment Calculator

Visualize your repayment schedule

Calculate exactly how long it will take to pay off your credit card debt and how much interest you'll pay, and see how changing your monthly payment speeds up your payoff. Compare different payment strategies to find the fastest and most affordable path to becoming debt-free.

Key Features:

Complete payoff timeline for all your cards
Track total interest across multiple cards
See month-by-month payment breakdown

Perfect For:

Planning your debt payoff strategy
Comparing avalanche vs snowball methods
Understanding the true cost of credit card debt

Your Credit Cards

Credit Card 1

$5,000.00 · 18.50% APR

Payment Schedule Preview by Year

Year	Starting Balance	Total Payments	Interest Paid	Principal Paid	Ending Balance
1	$5,000.00	$1,200.00	$900.43	$299.57	$4,700.43
2	$4,700.43	$1,200.00	$840.07	$359.93	$4,340.50
3	$4,340.50	$1,200.00	$767.56	$432.44	$3,908.06
4	$3,908.06	$1,200.00	$680.39	$519.61	$3,388.45
5	$3,388.45	$1,200.00	$575.66	$624.33	$2,764.12
6	$2,764.12	$1,200.00	$449.87	$750.13	$2,013.99
7	$2,013.99	$1,200.00	$298.70	$901.29	$1,112.70
8	$1,112.70	$1,200.00	$117.07	$1,082.93	$29.77
9	$29.77	$30.23	$0.46	$29.77	$0.00

Credit Card 2

$3,000.00 · 22.90% APR

Payment Schedule Preview by Year

Year	Starting Balance	Total Payments	Interest Paid	Principal Paid	Ending Balance
1	$3,000.00	$720.00	$683.30	$36.70	$2,963.30
2	$2,963.30	$720.00	$673.97	$46.03	$2,917.27
3	$2,917.27	$720.00	$662.23	$57.77	$2,859.50
4	$2,859.50	$720.00	$647.53	$72.47	$2,787.03
5	$2,787.03	$720.00	$629.08	$90.92	$2,696.11
6	$2,696.11	$720.00	$605.90	$114.10	$2,582.01
7	$2,582.01	$720.00	$576.87	$143.13	$2,438.88
8	$2,438.88	$720.00	$540.42	$179.57	$2,259.31
9	$2,259.31	$720.00	$494.70	$225.30	$2,034.01
10	$2,034.01	$720.00	$437.35	$282.64	$1,751.36
11	$1,751.36	$720.00	$365.35	$354.65	$1,396.71
12	$1,396.71	$720.00	$275.07	$444.93	$951.78
13	$951.78	$720.00	$161.75	$558.25	$393.53
14	$393.53	$424.48	$30.95	$393.53	$0.00

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Current Debt Summary

Total Current Balance

$8,000.00

Total Interest to Pay

$11,414.71

Total Amount to Pay

$19,414.71

Credit Cards Summary

Card Name	Current Balance	Interest Rate	Minimum Payment	Time to Pay Off	Total Interest	Total Amount
Credit Card 1	$5,000.00	18.5%	$100.00	97 months	$4,630.22	$9,630.23
Credit Card 2	$3,000.00	22.9%	$60.00	164 months	$6,784.48	$9,784.48

Credit Card 1

Current Balance:

$5,000.00

Interest Rate:

18.5%

Minimum Payment:

$100.00

Time to Pay Off:

97 months

Total Interest:

$4,630.22

Total Amount:

$9,630.23

Credit Card 2

Current Balance:

$3,000.00

Interest Rate:

22.9%

Minimum Payment:

$60.00

Time to Pay Off:

164 months

Total Interest:

$6,784.48

Total Amount:

$9,784.48