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)
A $5,000.00 balance on a card charging 20% APR, paid down at $150.00 a month, is cleared in 50 months — about 4.2 years — with $2,359.09 of interest along the way. Total paid: $7,359.09. The calculator below is pre-filled with these numbers.
Interest accrues on the remaining balance every month, so early payments are mostly interest — the balance falls slowly at first and accelerates near the end. Minimum-payment warnings apply here: as the balance shrinks, a fixed $150.00 stays well above the interest.
| Point in time | Remaining balance |
|---|---|
| After 1 year | $4,122.44 |
| After 2 years | $3,052.34 |
| After 3 years | $1,747.48 |
| After 4 years | $156.34 |
| Payoff (50 months) | $0.00 |
卡债 $5,000.00、年利率 20%，每月还 $150.00，需要 50 个月（约 4.2 年）才能还清，期间累计利息 $2,359.09，本息合计 $7,359.09。下方计算器已按这组数字预填。
利息按剩余本金逐月计收，所以前期还款大部分在付息，余额下降很慢，越到后面越快。固定还款额 $150.00 会随余额下降而越来越「够用」，这也是余额后期加速下降的原因。
| 时间点 | 剩余本金 |
|---|---|
| After 1 year | $4,122.44 |
| After 2 years | $3,052.34 |
| After 3 years | $1,747.48 |
| After 4 years | $156.34 |
| 还清（50 个月） | 0.00 |
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.
Last reviewed: October 5, 2026 · How we calculate · Sources: IRS, CFPB, CDC, NIH and others