Money
Credit Card Payoff Calculator — Multiple Balances & Interest
Plan payoff for one or several credit cards, with separate balances, APRs and monthly payments.
Open full calculator ↗Free to use. No account needed to calculate.
How to use it
- Use the calculator above and replace the example numbers with your own.
- Check the units and choices beside each input. Your result updates as you type.
- Review the breakdown, then share a copy or carry the answer into another calculator.
How the calculation works
For each month and each card, interest accrues using APR ÷ 12, followed by the entered payment. The final payment is capped at the remaining amount due. Combined totals sum the individual schedules.
A worked example
These are illustrative inputs, not recommendations. The result is calculated with the same engine used by the tool.
- First card balance ($)
- 5,000
- First card APR (%)
- 22
- First card monthly payment ($)
- 250
Questions about Credit Card Payoff Calculator — Multiple Balances & Interest
What does this calculator do?
Plan payoff for one or several credit cards, with separate balances, APRs and monthly payments.
Can I calculate without an account?
Yes. Calculate for free without signing in. Sign in only if you want to save calculations and personal plans.
What to keep in mind
The model assumes no new purchases or fees and a constant APR. Payments stay with their assigned cards; freed-up payments are not automatically moved to other cards. Statement calculations may use daily interest.
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Guide updated November 5, 2026 · About Calcuvero & your privacy