// multi-utility computation suite · offline · instant · precise
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fin.loan-credit-card-payoff Calculator
Calculates the time and total cost to pay off a credit card balance by making fixed monthly payments against a given APR. Paying only the minimum on a £5,000 balance at 20% APR can take over 25 years and cost more in interest than the original balance.
Inputs
Balance
Reference formula or conversion factor shown for context.
Rate
Reference formula or conversion factor shown for context.
Payment
Reference formula or conversion factor shown for context.
Results
months to payoff
Number of monthly payments needed to clear the balance at the given payment amount.
total paid
Sum of all payments made — principal plus all interest. Subtract the loan amount to see the pure interest cost.
interest paid
Sample size or count used in the calculation.
vs minimum
How far the current value is above the minimum required threshold. Negative means the minimum is not met.