Credit card payoff calculator
Credit-card interest compounds monthly against your balance — even a moderate rate means a $3,000 balance at $100/month takes over three years and $750 in interest. This shows you the exact payoff timeline, the total cost, and how a small payment increase changes both. Then Recurna Flow shows you where that freed-up cash goes across the rest of your year.
Credit card payoff calculator
Enter your balance and rate, then choose how you want to pay it down — fixed monthly amount, a target payoff date, or minimum-payment simulation. See the months, the total interest, and what paying a little more each month saves you.
At this payment, the monthly interest exceeds what you're paying — the balance never clears. Increase the payment to make progress.
Pay $25 more/month → save $330 in interest and 11 months.
Enter a balance to see the payoff curve.
$100/month toward this card — see what that does to your year in Recurna Flow.
See my forecast in Flow