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Credit Card Interest Calculator
Estimate payoff time, total interest, and total paid from your balance, APR, and monthly payment.
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Estimated payoff time31 months
Estimated total interest$1,700.00
Estimated total paid$6,200.00
Assumes no new purchases and a fixed monthly payment.
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FAQ
Why does paying “on time” still sometimes hurt my score? Because utilization is often captured at statement close, not due date.
Why can’t my balance drop? If your payment is less than monthly interest, the balance grows or stays flat.