How long will it take to pay off my credit card?
Exact calculation2026 figuresFreeNo sign-up
Example: change the values to see your own case
You will be debt-free in
3 years and 3 months
| Total interest you pay | €827 |
| Total paid | €3,827 |
| If you paid €150 per month | 24 months |
It is on your card statement.
How it was calculated
Every month, interest is added to the debt and your payment is subtracted. Paying only the minimum makes a small debt last for years. If you have savings earning less than the card's rate, it usually pays to use them to clear the debt.
Frequently asked questions
Is paying only the card minimum a bad deal?
Yes. Card interest is high and the debt can last for years.
Should I use savings to pay off my card?
If your savings earn less than the card rate, it usually pays off, while keeping a fund for emergencies.