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.
Recurna Flow
$100/month toward this card — see what that does to your year in Recurna Flow.
Flow is in invite-only beta — apply once (reviewed weekly), and founding members get Pro free for a year.
How this math works
Minimum payments are often set close to the interest that accrues each month, so most of a minimum payment covers interest rather than principal — that's why a balance can sit there for years under minimum payments alone. Fixed-amount mode shows the payoff timeline for a monthly payment you choose; target-date mode works the other way, showing the payment needed to clear the balance by a date you pick.
Why does the minimum payment barely move the balance?
Minimum payments are often set close to the interest that accrues each month, so most of the payment covers interest rather than principal — the balance shrinks very slowly, if at all.
What's the difference between fixed-amount and target-date mode?
Fixed amount tells you the payoff timeline and total interest for a monthly payment you choose. Target date works the other way — it tells you the monthly payment needed to clear the balance by a date you pick.
Where does the freed-up payment go once the card is paid off?
That's the part a static calculator can't answer — Recurna Flow can show what redirecting that payment does to your forecast once this balance reaches zero.