Debt tools
How long will it take to pay off my credit card?
Paying only the minimum is the slowest way off a card, because the minimum shrinks as the balance does. See how long it takes and what it costs, against a fixed payment, and the payment that clears the card by the date you choose.
Your card
Anything you keep putting on the card. Carrying a balance usually means new purchases are charged interest from the day you make them.
The minimum payment
ISSUER-SPECIFICTwo common shapes with starting values, not a standard: each issuer sets its own formula in the cardholder agreement, and your statement shows this month's minimum. Edit them to match yours.
Paying more
OPTIONALThe same amount every month until it is gone.
We work out the payment that does it.
Enter the balance and APR to see how long the minimum takes.
All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.
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