Find out how long it takes to pay off your balance
Enter a valid balance (100-1,000,000)
Enter a valid APR (0-50)
Enter a valid payment (1-100,000)
This tool answers a single practical question: if you keep paying a fixed amount every month, when does the balance actually reach zero, and how much interest do you hand over along the way? Enter the current balance, the annual percentage rate (APR) and the amount you can commit each month. The calculator returns the number of months to payoff, the total interest, the total amount repaid, the size of your final payment, and the share of your money that went to interest rather than principal.
Because credit cards charge interest on whatever balance remains, the earlier months are the most expensive. Seeing that split as a number — not a vague feeling — is what makes a repayment plan work.
The calculation runs month by month. Each payment first covers the interest that accrued, and only the remainder reduces the balance. That is why a payment barely above the monthly interest charge can take decades to clear a card: very little principal is retired, so the balance stays large and keeps generating interest. If the monthly payment is less than or equal to the monthly interest, the balance never reaches zero, and the calculator reports it as never paid off.
Suppose the balance is $5,000 at a 19.99% APR and you pay $250 each month.
Only 67% of the first payment attacks the debt; the rest is interest. Raising the monthly payment shortens the term disproportionately, as the comparison below shows for the same $5,000 balance at 19.99%:
| Monthly payment | Months to payoff | Total interest |
|---|---|---|
| $250 | 25 | ≈ $1,132 |
| $300 | 20 | ≈ $906 |
| $400 | 15 | ≈ $654 |
Adding $50 a month removes five months and saves more than $200 in interest. Adding $150 removes ten months and saves almost $500 — without changing the balance owed at all.
本工具回答一个非常实际的问题：如果你每月固定偿还一笔金额，欠款究竟何时能归零，期间又要付多少利息？输入当前欠款余额、年利率（APR）和每月可承担的还款额，计算器会给出还清所需月数、总利息、总计偿还金额、最后一期的金额，以及你付出的钱里有多少流向了利息而非本金。
由于信用卡只对剩余欠款计息，最早的几期还款成本最高。把这种拆解用具体数字呈现出来，而不是停留在模糊感觉上，正是让还款计划真正可行的关键。
计算逐月进行。每一期还款先覆盖当月产生的利息，剩下的部分才用于冲减本金。这也解释了为什么月供略微高于当月利息时，可能仍需数十年才能还清：本金减少得极慢，余额长期庞大，于是持续产生利息。若月供小于或等于当月利息，余额永远无法归零，计算器会给出“无法还清”的结果。
假设欠款 5,000 元，年利率 19.99%，每月还款 250 元。
第一期还款中只有约 67% 真正用于还本，其余都是利息。提高月供会大幅缩短期限，同样 5,000 元欠款、19.99% 年利率的对比见下表：
| 每月还款 | 还清月数 | 总利息 |
|---|---|---|
| 250 元 | 25 | ≈ 1,132 元 |
| 300 元 | 20 | ≈ 906 元 |
| 400 元 | 15 | ≈ 654 元 |
每月多还 50 元，就能减少 5 个月并省下 200 多元利息；每月多还 150 元，能减少 10 个月、省下近 500 元——而欠款总额并未改变。
Enter your balance, interest rate (APR) and monthly payment. The calculator shows the number of months needed and the total interest you will pay over that time.
Even a small increase in your monthly payment shortens the payoff period significantly and can save hundreds of dollars in interest. Raise your payment and watch the total interest drop.
Banks may use daily interest or different billing cycles. This calculator gives a close estimate using the common monthly-compounding method.