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Credit Card Payoff Calculator

Use this calculator to see what it will take to payoff your credit card balance, and what you can change to meet your repayment goals.

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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 you 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.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Please note: Ausco Trading Pty Ltd takes no responsibility for the accuracy of this information. FinanceMe.com.au makes all reasonable efforts to maintain accurate information. However all credit information should be used as a guide only. We urge users to check the terms and conditions on the specific credit applications when applying. You should check all costs related to any credit application with your financial adviser before making purchase decisions. Some sections of our website contain sponsored links, but some are placed without any payment, and are located here, because we think they are worth visiting .