Credit Card Payoff Calculator
Payoff date · interest cost · extra-payment savings
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Why paying only the minimum is expensive
Card minimums normally fall as the balance falls, which lengthens repayment. A fixed amount above the minimum reduces principal earlier, so future interest is charged on less. Avoid adding new purchases while paying down a revolving balance where possible.
Estimate only: issuers calculate interest and minimums differently. Use your statement’s APR, fees, grace-period terms and minimum-payment rule for the most reliable plan.