Credit cards calculators

Credit Card Payoff

Enter a balance, APR, and monthly payment to get your payoff date, months to zero, and total interest, computed month by month on the declining balance. Raise the payment to see how much sooner the card clears and how much interest you avoid. Everything runs in your browser.

Minimum Payment

See what paying only the minimum actually costs: the months to zero, the total interest, and the payoff date when the minimum is recomputed from your shrinking balance every month. Then compare against fixing your payment at the first minimum — same starting number, years less interest.

Balance Transfer

Compare staying on your current card against transferring: the transfer fee, the payment that clears the balance inside the promo window, what remains when the promo ends, and the interest difference between both paths at the same monthly payment. The fee is capitalized into the transferred balance, as it is in real life.

Deferred Interest

Model a "no interest if paid in full" store-card promo honestly: interest accrues silently from day one, and if any balance remains when the window closes, all of it is charged at once. See the payment that truly clears it in time, and what the bill becomes if you miss.

Store Card Payoff

Store cards carry the highest APRs in consumer credit — around 30% is normal — and most run deferred-interest promos on top. This calculator shows the payoff date and interest at your payment, and flags when a promo end date lands before your balance clears.