Credit Card Interest Calculator
Calculate credit card interest paid, payoff period, and total amount paid for any balance, APR, and monthly payment.
Inputs
USD
%
USD
Result
Estimated Interest Paid
$1,749.54
at 22% APR
Payoff Period2 yr 10 mo
Total Amount Paid$6,749.54
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Formula
n = −log(1 − r·B ÷ P) ÷ log(1 + r) Total Paid = P × n Interest = Total Paid − B
How it works
A credit card interest calculator shows how long a balance takes to pay off and how much interest you'll pay at a given APR and monthly payment.
Example
Example: $5,000 balance at 22% APR with $200/month: r = 0.01833; n ≈ 33.7 months ≈ 2 yr 10 mo; interest ≈ $1,748.
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Frequently Asked Questions
Disclaimer: Results are estimates for informational purposes only and should not be considered financial, medical, legal, or professional advice. Always consult a qualified professional before making decisions.