Credit card calculators you can check yourself.
Find your debt-free date, the real cost of minimum payments, and whether a balance transfer pays off. Every formula is published on the page.
- Transparent math. Each calculator shows the exact formula it uses.
- Private by design. What you type never leaves your browser.
- Reviewed and dated. Formulas checked against CFPB and issuer disclosures.
Credit card payoff calculator
Runs in your browser. Nothing is stored.Find it on your statement, labeled Purchase APR.
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All calculators
Credit card payoff calculator
How long it takes to pay off your card, and how much interest you'll pay.
Credit card interest calculator
What your balance costs per day, per billing cycle and per year.
Minimum payment calculator
The real cost of paying only the minimum, and how to cut it.
Balance transfer calculator
Is a 0% balance transfer worth the fee? Compare both paths.
Credit utilization calculator
Your utilization ratio across all cards, and how much to pay down.
Debt snowball vs. avalanche calculator
Several cards? See which payoff order saves more and gets you debt-free sooner.
Cash back comparison calculator
Flat 2% or 3% on dining? Find the card that pays you more.
Longest 0% balance transfer offers right now
Terms last checked September 30, 2026
These offers were last checked more than 45 days ago and may have changed. Confirm terms on the issuer's site.
| Card | Intro offer | Transfer fee | Actions |
|---|---|---|---|
| Citi Diamond Preferred CardCiti | 0% for 21 monthsTransfer within 4 months | 3% ($5 min) in the first 4 months, then 5% | Try this offerOfficial site |
| BankAmericard credit cardBank of America | 0% for 21 billing cyclesTransfer within 60 days | 5% of each transfer | Try this offerOfficial site |
| Wells Fargo Reflect CardWells Fargo | 0% for 21 monthsTransfer within 120 days | 5% ($5 min) | Try this offerOfficial site |
Sorted by length of the 0% period, then by fee. We don't get paid for this list. Regular APRs after the intro period depend on your credit, typically from the mid-teens to the high 20s; check each issuer's rates and fees before applying. Approval isn't guaranteed.
Latest data, August 2026
$1.26 trillion
Americans' credit card debt is back near its record
Balances rose $21 billion in the second quarter, according to the New York Fed. See what your own balance costs with the payoff calculator.
Guides
How a balance transfer works, step by step
How a credit card balance transfer works: the steps, transfer fees, intro periods, rules and a worked example showing when it actually saves you money.
How to pay off credit card debt fast: a realistic plan
A step-by-step plan to pay off credit card debt faster: stop new charges, set the right payment, lower your APR and choose snowball or avalanche.
What happens if you only pay the minimum on your credit card
Paying only the minimum can stretch a $3,000 balance over 12 years. See how minimums are calculated, the real cost, and how a fixed payment changes it.
Statement balance vs. current balance: which should you pay?
The difference between your statement balance and current balance, which one to pay to avoid interest, and how each affects your credit utilization.
Citi Double Cash vs. Chase Freedom Unlimited: the one-third rule that decides it
We found the exact break-even point between the two most popular no-fee cards, plus a calculator to run your own numbers.
The best no-annual-fee cash back cards, compared by spending pattern
Flat 2% or category rewards? We run three real budgets through four popular cards.
The best credit cards for international travel with no foreign transaction fee
What the 3% fee really costs on a trip, and four cards that skip it.
Credit card debt hits $1.26 trillion: what the new numbers mean for you
Balances are rising again. We translate the Fed data into what it costs a typical cardholder.
How credit card APR actually works
Daily rates, grace periods and why the minimum payment costs so much, with worked examples.
How to build credit from scratch
A step-by-step plan for your first 12 months, from secured cards to your first unsecured card.
Why you can trust these numbers
Formulas in the open
Every calculator explains its method, so you can check the result by hand.
Official sources
We follow the CFPB, the Federal Reserve and issuer cardholder agreements.
No data collected
Balances and rates you enter are calculated on your device and never sent to us.
No paid rankings
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