Payoff time
Estimate how long it could take to clear a credit card balance at your current payment.
Credit card repayment calculator
See how your balance, APR and monthly payment affect when you could be debt-free.
Open OneLine calculatorsChoose the Debt tab in OneLine to run the credit card repayment estimate.
Interest cost
See the estimated total interest and first-month interest based on the APR you enter.
0% transfer view
Compare the monthly payment needed to clear a balance during a promotional transfer period.
How to use it
Enter your card balance, the purchase APR from your card app or statement, and the amount you plan to repay each month. You can also switch the debt question to see what payment clears the balance by a chosen date, or whether a 0% transfer could help.
Assumptions
This is an educational estimate. It assumes the APR stays the same, no new spending is added, fees are not charged unless entered, and payments arrive on time.