Credit Card Payment Calculator: Use this calculator to determine how long it will take you to pay off your credit card debts if you only make the minimum credit card payments. Enter your credit card information below and press "View Report" to see your credit card debt pay off details. Always compare your first credit card from several card issuers for ones with lowest payments.
Credit Card Balance - Your current balance on your credit card - i.e., credit card debt.
Credit Card Interest rates - The average annual percentage rate you pay -- on your credit card balances and other debts. This interest rate is calculated for each of the categories of debt you have including credit card debt, auto Loans and other installment loans. For credit cards the rate you enter is used to calculate the interest on all future credit card payments. The length of time to pay off this credit card may be much greater than calculated if you enter a low promotional interest rate that is only good for a short period of time.
Credit Card Payment % - This is the percent of your outstanding credit card debt that will be used to calculate your minimum payment for the month. Your monthly payment is calculated as the percent of your current outstanding credit card debt or balance you entered. Your monthly payment will decrease as your credit card debt is paid down. This can greatly increase the length of time it takes to pay off your credit cards.
Credit Card Payment $ - This is your initial monthly payment. For credit cards, this is calculated as your minimum payment. Your monthly payment is calculated as the percent of your current outstanding credit card debt or balance you entered. Your monthly payment will decrease as your credit card debt is paid down. This can greatly increase the length of time it takes to pay off your credit cards.