What will it take to pay off my balance?
InputsNext Steps

Amount you owe
$
Future monthly charges
$
Future monthly payments
$
Interest rate
%
Annual fee
$
Desired months to pay off

%
per year

%
per year

This tool helps you determine either the monthly payment required to pay off your credit card within a desired time frame or the estimated amount of time it will take to pay off your card based on a desired monthly payment.

Future monthly payments: The amount you intend to pay on your credit card balance on a monthly basis. If your payments are less than the interest expense for the period, unpaid interest is added to your card balance.
Future monthly charges: The net amount you charge on your credit card on a monthly basis, deducting any returns that are credited to your card balance.
Future interest rates: The future interest rate is your prediction of the magnitude of change in the interest rate used to price your loan. Future rates are assumed to change at the same rate every year.
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