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Credit Card Payoff Calculator
Calculate how long to pay off credit card debt and total interest paid.
About This Calculator
At 22% APR, making minimum payments on an $8,500 balance extends payoff to 35+ years and costs over $12,000 in interest — more than the original balance. Even $100 extra per month can save years and thousands of dollars. Average US credit card APR hit 21.47% in 2023, the highest since records began.