Credit Card Payoff Without New Purchases
Model a card balance repaid without additional spending. This does not reproduce a statement’s daily-balance calculation or combine cash advances carrying different rates.
- Runs in your browser
- Nothing is uploaded
- No signup; device limits apply
Numbers stay on your device. Nothing is sent to a server.
Use a fixed amount, not the shrinking minimum, if you want a finish date.
How to use this tool
Enter USD purchase balance, annual percentage and a fixed monthly payment. A promotional-rate expiry or new purchase changes the assumption that these same conditions persist.
Results and examples
Months and total interest follow monthly interest then payment. Does not pay off means payment fails to exceed current monthly interest, not a problem solved by merely extending a display horizon.
Worked example
USD 1,200 at 0% with USD 100 monthly clears in twelve months with zero interest.
Limitations
- Daily average balances, cash advances, late fees and new purchases are excluded.
- Changing minimum payments and promotional expiry dates are not incorporated.
Fields
| Field | Guidance and constraints |
|---|---|
| Card balance | Accepted range: 0–10000000 · Input step: 10 |
| Purchase APR | Accepted range: 0–80 · Input step: 0.01 |
| Monthly payment you will actually send | Use a fixed amount, not the shrinking minimum, if you want a finish date. · Accepted range: 0–1000000 · Input step: 5 |
Data handling
Processing stays in the current browser tab; the site does not upload tool input for the calculation itself.
Sources
Frequently asked questions
Does it calculate the card’s minimum payment?
No. You enter a fixed amount yourself.
Can I continue new purchases?
The result assumes no further spending.
Related tools
You do not need to start over. Continue with the tool that fits your next step.
