8 Best Free Online Credit Card Payoff Calculator Websites

Here is a list of the best free online Credit Card Payoff Calculator websites. If you are using a credit card or planning to spend then a Credit Card Payoff Calculator can help you determine the payoff. You can simply add the outstanding credit card balance and the rate of interest on the card. Then you can set your monthly payment to determine the payoff period. Alternatively, you can add a target payoff period to get how much you have to pay monthly to achieve that goal.

In this post, I’m covering 8 free websites with Credit Card Payoff Calculators. You can use any of these calculators to determine the payoff duration to settle your credit card balance. Many of these calculators can also help you determine a monthly payment to target the desired payoff duration. Along with the calculation, you get additional payment graphs as well as a payment schedule. Apart from the payoff, some of these calculators have additional features including multiple cards, add additional monthly charges, annual fee, etc.

My Favorite Online Credit Card Payoff Calculator

OmniCalculator is my favorite Credit Card Payoff Calculator on this list. You can use this calculator to find the monthly payment amount, payoff period, or the interest rate for given data. You can simply enter the data that you know and the missing data automatically gets calculated. Also, if you want to share the calculation, you can do that as well.

You can also check out our other lists of the best free Online Debt Payoff Calculator Websites, Online Mutual Fund Calculator Websites, and Online Return On Investment Calculator Websites.

OmniCalculator.com

OmniCalculator is a popular website with a wide collection of online calculators. It has a free Credit Card Payoff Calculator. This calculator has a Credit card balance, Interest rate, Monthly payment, payoff period, and Total pay amount. You can use it to determine the monthly payment amount from a given payoff period. Or, you can calculate the payoff period for a given monthly amount. In both cases, it also determines the total amount that has to be paid for the given data. This calculator also generates a share link. If you want to share the calculation with others, you can do that using the share link.

How to calculate Credit Card Payoff using this calculator?

  • Open this calculator on OmniCalculator using the link given below.
  • Enter the credit card balance and interest rate into the calculator.
  • Then enter the monthly payment to get the payoff period. Or, enter the payoff period to get the monthly payment.

Highlights:

  • This calculator can calculate the monthly amount from the payoff period. Or, a payoff period for a monthly amount.
  • It shows the total amount to be paid based on the monthly payment and payoff period.
  • Offers a link to share the results online with others.

Experian.com

Experian also offers a free online Credit Card Payoff Calculator. This calculator can help you determine the payoff period of your credit cards. You can enter the card balance along with the rate of interest and the monthly amount that you are going to pay. For that data, it gives you the payoff duration for that amount. It also shows the number of payments to pay back the entire balance along with the interest. Along with that, it also generates a payment schedule where you can see the payment summary after each monthly payment. You can print the payment schedule or save it as a PDF. If you have multiple credit cards, you can add multiple cards and calculate the payoff duration for all those cards simultaneously.

How to calculate Credit Card Payoff using this calculator?

  • Follow the link given below to open this calculator in the browser.
  • Set the Credit Card Balance, Interest Rate, and Monthly Payment. You can add multiple cards using the Add Card button.
  • Then click the Calculate button to get the payoff time for the card(s).

Highlights:

  • This calculator calculates the payoff period for a given monthly payment.
  • It shows the number of payments, total interest, and total payment amount.
  • Visualizes the principal and interest using a pie chart.
  • Generates a printable payment schedule for the payoff period.
  • This calculator can calculate the payoff for multiple credit cards simultaneously.

Calculator.net

Calculator.net has a collection of calculators covering various categories. Among the collection, there is a Credit Cards Payoff Calculator. You can add multiple credit cards and find the payoff time of the card amount for a minimum payment. If want to keep a monthly budget for the card payment, you can set that into the calculator. This calculator then factors in that amount to get you an optimal payoff period to achieve a minimal interest rate.

How to calculate Credit Card Payoff using this calculator?

  • Go to this calculator on OmniCalculator using the link given below.
  • Enter the balance, minimum payment, and interest rate for the card. Add multiple cards if needed.
  • Then click the Calculate button to get the payoff time along with other info.

Highlights:

  • This calculator calculates the payoff period for a given minimum payment.
  • It has an option to set a monthly budget for the payment.
  • It shows the interest amount for the payoff period.
  • This calculator can calculate the payoff for multiple credit cards simultaneously.

360FinancialLiteracy.org

360FinancialLiteracy offers a free Credit Card Payoff Calculator. This calculator packs many additional features. First of all, it determines the monthly payment of a card for a given payoff period. If you are already paying a monthly payment, it finds an optional monthly payment and compares both onto a graph. Coming to the additional features, if you are still using the credit card then you get an option to add the monthly expenses. Along with that, you also get an option to include an annual fee.

How to calculate Credit Card Payoff using this calculator?

  • Follow the link given below to open this calculator in your browser.
  • Set the Current balance, Interset rate, Interest Rate, Payoff goal, Current Monthly Payment, Additional Charges, and Annual fee.
  • Then click the Calculate button to get the payoff time for the card.

Highlights:

  • This calculator calculates the monthly payment for a given payoff period.
  • Option to add additional monthly charges and annual fees into the calculation.
  • It plots a chart of credit card payoff by month.
  • Also shows alternative payoff scenarios of the different payoff periods.

InCharge.org

InCharge.org is another website with a free online Credit Card Payoff Calculator. This calculator takes a minimum payment and proposed monthly payment as input. It compares both payments and calculates the effect of the proposed payment over the minimum payment. You can simply add payment details and get a payoff duration with the saving information.

How to calculate Credit Card Payoff using this calculator?

  • Go to this calculator using the link provided below.
  • Set the Credit card balance, Interest Rate, Proposed Monthly Payment, and Minimum Monthly Payment.
  • Then click the Submit button to get the payoff time for the card.

Highlights:

  • This calculator calculates the payoff period for a given monthly payment.
  • It compares the proposed monthly payment against the minimum monthly payment.
  • It generates a payment chart for the payoff duration.

BankRate.com

BankRate has a free online Credit Card Payoff Calculator. This calculator has two options. It can calculate the credit card payoff period for a specific monthly payment. Or, it can calculate a monthly payment to target a payoff period. In addition to that, it offers additional calculation options. Once the calculation is done, it offers options to re-do the calculation for a lower monthly payment, to pay the amount as soon as possible, etc. You can simply pick the option to get the calculations.

How to calculate Credit Card Payoff using this calculator?

  • Follow the link given below to open this calculator in your browser.
  • Set the Current balance, Interset rate, Interest Rate, Payoff goal, Current Monthly Payment, Additional Charges, and Annual fee.
  • Then click the Calculate button to get the payoff time for the card.

Highlights:

  • This calculator can calculate the payoff period for a monthly amount. Or, a monthly amount from the payoff period.
  • Offers additional calculation options to pay lower monthly payments, pay as soon as possible, etc.

Credit.com

Credit.com has a free online Credit Card Payoff Calculator. This is a fairly simple calculator that helps you estimate the date when you would be debt-free on your credit card(s). To do that, you have to provide the credit card balance, interest rate, and monthly payment. When you do that, it shows the date of the last payment along with the payoff duration. You can also add multiple credit cards to the calculation. But do not that, this calculator merge all cards and shows a combined payoff period along with the total payable amount including interest.

How to calculate Credit Card Payoff using this calculator?

  • Use the link given below to open this calculator in the browser.
  • Set the Credit Card Balance, Interest Rate, and Monthly Payment. You can add multiple cards using the Add Another Card button.
  • Then click the Calculate button to get the payoff time for the card(s).

Highlights:

  • This calculator calculates the payoff period for a given monthly payment.
  • It shows the total payment amount that has to be paid.
  • This calculator can calculate the combined payoff for multiple credit cards simultaneously.

MoneyControl.com

MoneyControl.com has a Credit Card Loan Payoff Calculator. With this calculator, you can estimate the time it is going to take to pay off your credit card payment for a specific monthly payment. You can insert the amount that has to be paid off along with the interest rate and the amount you are going to pay monthly. Based on that, it gives you the payoff period of the payment along with the total amount.

How to calculate Credit Card Payoff using this calculator?

  • Go to this calculator using the link provided below.
  • Set the Oustanding amount, Monthly Payment, and Interest Rate.
  • Then click the Calculate button to get the payoff time for the card.

Highlights:

  • This calculator calculates the payoff period for a given monthly payment.
  • It shows the total payment amount that has to be paid.
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