# Payoff Time for One Credit-Card Balance

> Estimate how long one balance takes to clear at a stated monthly payment, without adding new purchases.

Page: https://askcalculators.com/us/credit-card/
Definition: https://askcalculators.com/us/credit-card/definition.json
JSON Schema: https://askcalculators.com/us/credit-card/schema.json
Version: 20.13.0
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/us/credit-card/?balance=3600&rate=0&payment=225&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; showWhen=mode:payment
- monthsToPay: Months to Payoff; type=number; optional; default=24; min=1; max=1200; showWhen=mode:months
- mode: Mode; type=select; optional; default=payment; values=payment|months

## Outputs
- months: Months to repay this balance; format=integer; primary
- monthlyPayment: Monthly payment; format=currency
- finalPayment: Final payment; format=currency
- totalInterest: Total interest; format=currency
- totalPayment: Total repaid; format=currency

## Formula
Each month: interest = opening balance × APR / 12; apply the payment to interest and principal.

Actual cards can use daily interest, changing rates, minimum-payment rules and fees. No new spending is assumed. A payment that does not reduce principal will not clear the balance.

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