Credit Card Calculator - Debt Payoff Calculator & Payment Optimizer | D2Tools.com

Free credit card payoff calculator and debt reduction planner. Calculate payoff time, minimum payments, interest savings, and compare payment strategies. Professional debt management tool for eliminating credit card debt faster and saving money.

Credit Card Details

Current Balance ($)

Annual Interest Rate (APR %)

Minimum Payment (% of balance)

Target Monthly Payment ($)

Common Scenarios

Important Note

Making only minimum payments can result in paying interest for decades. Consider paying more than the minimum to save money and pay off debt faster.

Enter your credit card details to calculate payoff time and compare payment strategies.