TOOLS · CREDIT CARDS
Credit Card Interest Calculator
Turn APR into a dollar estimate. Enter a balance, APR and monthly payment to see an estimated payoff time and total interest.
↗ CALCULATOR
ESTIMATED PAYOFF
Time to payoff26 months
Estimated interest$1,285
This is an educational estimate using a fixed APR and payment. Actual card interest calculations can vary by issuer and daily balance method.
How to use the result
Try your current payment first. Then increase the payment and compare the estimated interest. The difference shows the financial value of paying faster in a way a percentage rate alone cannot.
What this calculator assumes
This educational estimate assumes a fixed APR, no new purchases, no fees and one payment per month. Issuers may calculate interest daily and card terms vary, so your statement will control the actual amount.