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Credit-card payoff calculator
Estimate how long a fixed monthly payment may take to clear a balance.
The model assumes no new purchases, no fees, a fixed APR and the same payment every month.
Calculation limits: Actual card issuers may use daily interest, fees and minimum-payment rules that produce different results.
Use estimates to ask better questions.
Compare several scenarios, then review current disclosures and written offers before making a financial commitment.