Debt
Debt Payoff Calculator
See how many months it takes to pay off a credit card or loan balance at a fixed monthly payment.
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Estimate only — not advice.
This tool provides a simplified, general estimate for educational purposes.
It is not financial, tax, or legal advice, and it is not affiliated with
the IRS, the Social Security Administration, or any lender. See our full
disclaimer for what this calculator does and doesn't account for.
What this estimate assumes
- Assumes interest compounds monthly on the remaining balance and that you make the same fixed payment every month with no new charges added.
- Doesn't account for promotional/introductory APRs, late fees, or a card issuer's minimum-payment formula, which can differ from a flat fixed payment.
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