666 pre-computed payoff plans

Credit card payoff scenarios

Pick your balance, APR, and monthly payment — get months to zero, total interest, and a side-by-side comparison against paying a bit more or negotiating a lower rate.

Open the interactive payoff calculator

Experiment with any balance/APR/payment — the tables below cover popular combinations.

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By balance

Every payoff scenario

25 balances × 5 APRs × 8 monthly-payment levels (excluding cases that never pay off).

$1,000 balance

$2,000 balance

$3,000 balance

$4,000 balance

$5,000 balance

$6,000 balance

$7,000 balance

$8,000 balance

$9,000 balance

$10,000 balance

$11,000 balance

$12,000 balance

$13,000 balance

$14,000 balance

$15,000 balance

$16,000 balance

$17,000 balance

$18,000 balance

$19,000 balance

$20,000 balance

5% · $100/mo 5% · $150/mo 5% · $200/mo 5% · $250/mo 5% · $300/mo 5% · $400/mo 5% · $500/mo 10% · $200/mo 10% · $250/mo 10% · $300/mo 10% · $400/mo 10% · $500/mo 15% · $250/mo 15% · $300/mo 15% · $400/mo 15% · $500/mo 20% · $400/mo 20% · $500/mo 25% · $500/mo

$21,000 balance

5% · $100/mo 5% · $150/mo 5% · $200/mo 5% · $250/mo 5% · $300/mo 5% · $400/mo 5% · $500/mo 10% · $200/mo 10% · $250/mo 10% · $300/mo 10% · $400/mo 10% · $500/mo 15% · $300/mo 15% · $400/mo 15% · $500/mo 20% · $400/mo 20% · $500/mo 25% · $500/mo

$22,000 balance

$23,000 balance

$24,000 balance

5% · $150/mo 5% · $200/mo 5% · $250/mo 5% · $300/mo 5% · $400/mo 5% · $500/mo 10% · $250/mo 10% · $300/mo 10% · $400/mo 10% · $500/mo 15% · $400/mo 15% · $500/mo 20% · $500/mo

$25,000 balance

5% · $150/mo 5% · $200/mo 5% · $250/mo 5% · $300/mo 5% · $400/mo 5% · $500/mo 10% · $250/mo 10% · $300/mo 10% · $400/mo 10% · $500/mo 15% · $400/mo 15% · $500/mo 20% · $500/mo