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Debt payoff planner

Estimate payoff time and interest with a fixed payment.

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Common questions

What happens if I pay more each month?

Increasing the payment usually shortens the estimated payoff time and reduces estimated interest, assuming the other inputs stay the same.

Are late fees included?

Check your account terms separately. The estimate uses the balance, interest rate and payment entered in the tool.

Compare a fixed monthly payment

With a $1,200 balance at 0% interest, $100 per month pays it off in 12 months. With interest, payoff takes longer unless you increase payments; enter your actual annual rate for an estimate.