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Credit Card Pay Off Calculator

Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals. Tinker with different payoff scenarios to see what it will take to reach your debt reduction goal.

If you are overwhelmed with credit card bills and need professional help with debt, call Family Credit Management Service at 1-800-994-3328 to find out more about the many benefits of our debt management services. We offer a full array of credit counseling services, including expertly trained credit counselors that can assess your situation and help you develop a plan to gain control over your finances.

This Financial Calculator requires a Browser with Java Support
Definitions
Current balance Current outstanding balance on your credit card.
Payoff goal (in months) Your goal for paying off this credit card. This is the number of months by which you would like to have completely paid off this credit card balance.
Current monthly payment The amount your are currently paying per month on this credit card. Please enter the amount you actually pay, not the minimum payment. This amount is used to calculate how long it will take you to pay off your balance.
New charges per month Total new charges you expect to put on this credit card per month.
Interest rate (APR) The annual percentage rate for this credit card.
Annual fee Your annual fee for this credit card.
Major purchase If you expect a major purchase beyond your normal charges, enter the amount to be spent here.
Months from now Number of months before your major purchase will occur.

Credit Counseling Services - What We Do

At Family Credit Management Service, we offer comprehensive credit counseling services, including expertly trained credit counselors to advise you on managing your money and debts, help with developing a budget, and free educational materials and workshops. Our debt management services provide immediate help to those who are in a financial crisis and a long term plan for debt free living. If you need professional help with debt, call 1-800-994-3328 or apply online to get started using our credit counseling services.


Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.