# Credit Card Calculator

> Calculate how long it will take to pay off your credit card balance or determine the monthly payment needed to be debt-free by a specific date.

Page: https://askcalculators.com/calculator/credit-card-calculator/
Definition: https://askcalculators.com/calculator/credit-card-calculator/definition.json
JSON Schema: https://askcalculators.com/calculator/credit-card-calculator/schema.json
Version: 7.0.0
Maintained by: AskCalculators (software project; not a credentialed reviewer)
Qualified review: pending. Automated checks do not establish professional approval.
Page status: Live
Review status: Pending

## Use
Open the calculator page and enter values. Query-string parameters can restore and bookmark a calculation.
Example: https://askcalculators.com/calculator/credit-card-calculator/?balance=5000&rate=18.9&payment=200&monthsToPay=24&mode=payment

## Inputs
- balance: Credit Card Balance; type=number; optional; default=5000
- rate: Interest Rate (APR); type=number; optional; default=18.9
- payment: Monthly Payment; type=number; optional; default=200
- monthsToPay: Months to Payoff; type=number; optional; default=24
- mode: Mode; type=select; optional; default=payment

## Outputs
- result: Result; format=text; primary

## Formula
The balance is simulated month by month: interest is added, then the stated payment is applied, until payoff or the safety limit is reached.

## Rules
- Empty optional inputs are undefined, not zero.
- Hidden conditional inputs are ignored.
- Do not invent missing required inputs.