{"id":16218,"date":"2021-07-12T14:07:04","date_gmt":"2021-07-12T20:07:04","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=16218"},"modified":"2024-05-06T13:23:45","modified_gmt":"2024-05-06T19:23:45","slug":"payoff-calculator","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/payoff-calculator.html","title":{"rendered":"Credit card payoff calculator: Plan your debt-free date"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1510\" height=\"500\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/Woman-holding-credit-card-paying-bills-online-1.jpg\" alt=\"Woman paying off her credit card.\" class=\"wp-image-16217\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/Woman-holding-credit-card-paying-bills-online-1.jpg 1510w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/Woman-holding-credit-card-paying-bills-online-1-1100x364.jpg 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/Woman-holding-credit-card-paying-bills-online-1-768x254.jpg 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <\/em><a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a>&nbsp;<\/p>\n\n\n\n<div class=\"quick-answer\">\n<h2>When paying off credit card debt you should pay off cards with the highest interest or lowest balance first, consolidate your credit and create a realistic budget.<\/h2>\n<\/div>\n\n\n\n<p>Paying off your credit card debt can help relieve financial stress, but how long will it take? Our credit card payoff calculator will give you an exact date for when you\u2019ll be debt-free based on your balance owed, interest rate and monthly payment or payoff goal.\u00a0<\/p>\n\n\n\n<p>Paying off your credit card debt is manageable if you stick to a plan\u2014and our calculator can help you do just that.&nbsp;<\/p>\n\n\n\n<style>\n.calculator-container {\n    background-color: #F1F4F8;\n    padding: 25px;\n}\n\n.calculator-container h2 {\n    font-size: 28px;\n    font-weight: bold;\n    text-align: center;\n}\n\n.calc-input-section {\n    display: flex;\n    flex-direction: row;\n    flex-wrap: wrap;\n    justify-content: space-between;\n    font-size: 16px;\n}\n\n.calc-input-section input, .calc-input-section select {\n    width: 232px;\n    margin-top: 0px;\n}\n\n.radio-container input {\n    width: auto;\n    margin-top: 0;\n}\n\n.calc-input-section label {\n    display: flex;\n    flex-direction: column;\n    letter-spacing: 0.16px;\n}\n\n.choose-one {\n    width: 232px;\n    margin-bottom: 20px;\n}\n\n.choose-one p {\n    margin: 0 0 7px 0;\n}\n\n.radio-container {\n    display: flex;\n    flex-direction: row;\n    justify-content: flex-start;\n    align-items: center;\n}\n\n.radio-container input {\n    margin-right: 7px;\n    cursor: pointer;\n}\n\n.radio-container label {\n    cursor: pointer;\n}\n\n.payoff-goal-wrapper label {\n    display: none;\n}\n\n.pd-header {\n    margin-bottom: 0;\n}\n\n.pd-container {\n    width: 232px;\n    display: flex;\n    flex-direction: row;\n    justify-content: space-between;\n}\n\n.pd-container select {\n    width: 100px;\n    height: 37px;\n}\n\n.payoff-date {\n    margin-top: 0;\n}\n\n@media (max-width: 960px) {\n    .calc-input-section {\n        justify-content: center;\n    }\n\n    .calc-input-section label, .choose-one, .payoff-goal-wrapper {\n        margin: 20px;\n    }\n\n    .radio-container label {\n        margin: 0;\n    }\n\n    .payoff-date label {\n        margin: 0;\n    }\n}\n\n.calc-button {\n    display: block;\n    margin: 40px auto 00px auto;\n    padding: 10px 20px 10px 20px;\n    background-color: #00214f;\n    color: white;\n    font-size: 16px;\n    border: none;\n    transition: .3s ease;\n}\n\n.calc-button:hover, .calc-button:focus {\n    background-color: #00214fc2;\n    transition: .3s ease;\n}\n\n.divider {\n    width: 100%;\n    height: 1px;\n    padding: 0;\n    margin: 60px auto 44px auto;\n    border-bottom: 2px solid white;\n}\n\n.calc-results .calc-result-p, .calc-results #calcResultDate {\n    font-size: 28px;\n    font-weight: 300;\n    text-align: center;\n    margin-bottom: 0;\n}\n\n.calc-results #calcResultDate {\n    display: block;\n    font-weight: 700;\n    text-align: center;\n    margin-top: 5px;\n    margin-bottom: 32px;\n    line-height: 34px;\n}\n\n.calc-results-chart-key, .chart-key-p {\n    display: flex;\n    flex-direction: row;\n    justify-content: center;\n    align-items: center;\n}\n\n.chart-key-p {\n    margin: 10px;\n}\n\n.chart-key-principal, .chart-key-interest {\n    width: 15px;\n    height: 15px;\n    margin-right: 6.5px;\n}\n\n.chart-key-principal {\n    background-color: #00214f;\n}\n\n.chart-key-interest {\n    background-color: #1FD4C6;\n}\n\n.calc-result-numbers-container {\n    display: flex;\n    flex-direction: row;\n    justify-content: space-between;\n    flex-wrap: wrap;\n    margin-bottom: 10px;\n}\n\n@media (max-width: 960px) {\n    .calc-result-numbers-container {\n        justify-content: center;\n    }\n}\n\n.result-mini-header {\n    text-align: center;\n    font-size: 16px;\n    margin: 20px 0 8px 0;\n    width: 50%;\n    min-width: 190px;\n}\n\n.result-number {\n    display: block;\n    text-align: center;\n    font-size: 28px;\n    font-weight: 700;\n}\n\n.calc-input-section .hide-element {\n    display: none;\n}\n\n.calc-input-section .show-element-block {\n    display: block;\n}\n\n.calc-input-section .show-element-flex {\n    display: flex;\n}\n\n\/* . {\n    \n}\n\n. {\n    \n}\n\n. {\n    \n}\n\n. {\n    \n}\n\n. {\n    \n}\n\n. {\n    \n}\n\n. {\n    \n}\n\n. {\n    \n} *\/\n\n<\/style>    \n\n<section class=\"calculator-container\">\n        <h2>Credit card payoff calculator<\/h2>\n        <div class=\"calc-input-section\">\n            <label for=\"balance\"> Current credit card balance \n                <input type=\"text\" id=\"balance\">\n            <\/label>\n\n            <div class=\"choose-one\">\n                <p>Choose one:<\/p>\n                <div class=\"radio-container\">\n                    <input type=\"radio\" name=\"radio-button\" id=\"chooseMonthlyPayment\" value=\"monthly-payment\">\n                    <label for=\"chooseMonthlyPayment\">Monthly payment<\/label>\n                <\/div>\n\n                <div class=\"radio-container\">\n                    <input type=\"radio\" name=\"radio-button\" id=\"choosePayoffGoal\" value=\"payoff-goal\">\n                    <label for=\"choosePayoffGoal\">Payoff goal (months)<\/label>\n                <\/div>\n            <\/div>\n\n            <label for=\"apr\"> Interest Rate (APR)\n                <input type=\"text\" id=\"apr\">\n            <\/label>\n\n            <label class=\"show-element-flex\" for=\"monthlyPayment\" id=\"monthlyPaymentLabel\"> Monthly payment\n                <input type=\"text\" id=\"monthlyPayment\">\n            <\/label>\n\n            <div class=\"payoff-goal-wrapper hide-element\" id=\"paymentGoals\">\n                <p class=\"payoff-date pd-header\">Payoff goal (months)<\/p>\n                <div class=\"payoff-date pd-container\">\n                    <label for=\"payoffDateMonth\"> Month<\/label>\n                        <select name=\"payoffDateMonth\" id=\"payoffDateMonth\">\n                            <option value=\"1\">January<\/option>\n                            <option value=\"2\">February<\/option>\n                            <option value=\"3\">March<\/option>\n                            <option value=\"4\">April<\/option>\n                            <option value=\"5\">May<\/option>\n                            <option value=\"6\">June<\/option>\n                            <option value=\"7\">July<\/option>\n                            <option value=\"8\">August<\/option>\n                            <option value=\"9\">September<\/option>\n                            <option value=\"10\">October<\/option>\n                            <option value=\"11\">November<\/option>\n                            <option value=\"12\">December<\/option>\n                        <\/select>\n                    \n\n                <label for=\"payoffDateYear\"> Year<\/label>\n                    <select name=\"payoffDateYear\" id=\"payoffDateYear\">\n                        <option value=\"2021\">2021<\/option>\n                        <option value=\"2022\">2022<\/option>\n                        <option value=\"2023\">2023<\/option>\n                        <option value=\"2024\">2024<\/option>\n                        <option value=\"2025\">2025<\/option>\n                        <option value=\"2026\">2026<\/option>\n                        <option value=\"2027\">2027<\/option>\n                        <option value=\"2028\">2028<\/option>\n                        <option value=\"2029\">2029<\/option>\n                        <option value=\"2030\">2030<\/option>\n                        <option value=\"2031\">2031<\/option>\n                        <option value=\"2032\">2032<\/option>\n                    <\/select>\n                \n            <\/div>\n            <\/div>\n        <\/div>\n        <button class=\"calc-button\" id=\"calcButton\">Calculate<\/button>\n        <div class=\"divider\"><\/div>\n        <div class=\"calc-results\">\n            <p class=\"calc-result-p\">You will be debt free by:<\/p>\n            <p id=\"calcResultDate\"><\/p>\n            <div class=\"calc-result-chart-container\">\n                <div class=\"chart\"><\/div>\n                <div class=\"calc-results-chart-key\">\n                    <p class=\"chart-key-p\"><span class=\"chart-key-principal\"><\/span><span id=\"principalNum\"><\/span>% Principal<\/p>\n                    <p class=\"chart-key-p\"><span class=\"chart-key-interest\"><\/span><span id=\"interestNum\"><\/span>% Interest<\/p>\n                <\/div>\n                <div class=\"calc-result-numbers-container\">\n                    <p class=\"result-mini-header\">Months to payoff<span class=\"result-number\" id=\"monthsToPayoff\">11<\/span><\/p>\n                    <p class=\"result-mini-header\">Total interest paid<span class=\"result-number\" id=\"totalInterestPaid\">$123<\/span><\/p>\n                    <p class=\"result-mini-header\">Monthly payment<span class=\"result-number\" id=\"estimatedMonthlyPayment\">$123<\/span><\/p>\n                    <p class=\"result-mini-header\">Total paid<span class=\"result-number\" id=\"totalPaid\">$1,234<\/span><\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/jstat@1.9.2\/dist\/jstat.min.js\"><\/script> \n<script src=\"https:\/\/cdn.jsdelivr.net\/gh\/formulajs\/formulajs@2.5.0\/dist\/formula.min.js\"><\/script>\n\n<script>\n\n\/\/Read the radio buttons to determine what options to show the user\nlet paymentRadio = document.getElementById('chooseMonthlyPayment');\nlet choosePayoffGoal = document.getElementById('choosePayoffGoal');\nlet monthlyPaymentLabel = document.getElementById('monthlyPaymentLabel');\nlet paymentGoals = document.getElementById('paymentGoals');\n\/\/ if the payment radio is checked, show payment input. If not, hide the monthly payment option\n\/\/ and show the payoff month goal option\npaymentRadio.addEventListener('change', function () {\n    if (paymentRadio.checked) {\n        monthlyPaymentLabel.classList.add('show-element-flex')\n        paymentGoals.classList.add('hide-element')\n        paymentGoals.classList.remove('show-element-block')\n    }\n})\nchoosePayoffGoal.addEventListener('change', function () {\n    if (choosePayoffGoal.checked) {\n        paymentGoals.classList.remove('hide-element')\n        paymentGoals.classList.add('show-element-block')\n        monthlyPaymentLabel.classList.remove('show-element-flex')\n        monthlyPaymentLabel.classList.add('hide-element')\n    } \n})\n\/\/ Grab values of input fields\nlet balance = document.getElementById('balance');\nlet apr = document.getElementById('apr');\nlet monthlyPayment = document.getElementById('monthlyPayment');\n\/\/ grab payoff, grab date\nlet payoffDateMonth = document.getElementById('payoffDateMonth');\nlet payoffDateYear = document.getElementById('payoffDateYear');\n\/\/ button\nlet calcButton = document.getElementById('calcButton');\n\/\/Get DOM elements to update after calculation\nlet calcResultDate = document.getElementById('calcResultDate');\nlet principalNum = document.getElementById('principalNum');\nlet interestNum = document.getElementById('interestNum');\nlet monthsToPayoff = document.getElementById('monthsToPayoff');\nlet totalInterestPaid = document.getElementById('totalInterestPaid');\nlet estimatedMonthlyPayment = document.getElementById('estimatedMonthlyPayment');\nlet totalPaid = document.getElementById('totalPaid');\n\/\/When the calculate button is clicked, grab the values and calculate\ncalcButton.addEventListener('click', function () {\n    if (paymentRadio.checked) {\n        \/\/ Make sure our values are numbers\n        let paymentFormatted = parseInt(monthlyPayment.value);\n        let balanceFormatted = parseInt(balance.value);\n        let aprFormatted = parseInt(apr.value) \/ 100;\n        \n        \/\/ Calculate months left till payoff using Forula.js' NPER equation\n        let monthsLeft = formulajs.NPER( aprFormatted \/ 12,  paymentFormatted, -balanceFormatted);\n        \/\/ Calculate others\n        let totalInterest = (monthsLeft * paymentFormatted) - balanceFormatted;\n        let totalCombined = balanceFormatted + totalInterest;\n        let principalPercent = balanceFormatted \/ totalCombined * 100;\n        let interestPercent = totalInterest \/ totalCombined * 100;\n        \/\/ Convert months to years from payoff months\n        let years = monthsLeft \/ 12;\n        let yearsRounded = (Math.round(years * 100) \/ 100).toFixed(2);\n        \/\/ Convert years to days\n        let addDays = Math.round(yearsRounded * (52 * 7));\n        \/\/ Handle the date, set it to today\n        let theDate = new Date();\n        \/\/ Add the remaining payoff days to today's date\n        theDate.setDate(theDate.getDate() + addDays); \n        \/\/ Format payoff date\n        let dd = theDate.getDate();\n        let mm = theDate.getMonth() + 1;\n        let y = theDate.getFullYear();\n        \/\/ Set up month names to display in DOM\n        let months = [\n            \"January\",\n            \"February\",\n            \"March\",\n            \"April\", \n            \"May\", \n            \"June\", \n            \"July\", \n            \"August\",\n            \"September\",\n            \"October\",\n            \"November\",\n            \"December\"\n        ]\n        \/\/ Update DOM with the new values\n        calcResultDate.innerHTML = months[mm -1] + ' ' + dd + ', ' + y;\n        principalNum.innerHTML = Math.round(principalPercent);\n        interestNum.innerHTML = Math.round(interestPercent);\n        monthsToPayoff.innerHTML = Math.round(monthsLeft);\n        totalInterestPaid.innerHTML = '$' + Math.round(totalInterest);\n        estimatedMonthlyPayment.innerHTML = '$' + Math.round(paymentFormatted);\n        totalPaid.innerHTML = '$' + Math.round(totalCombined);\n    } else {\n        console.log('payoff date instead')\n    }\n});\n<\/script>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-tips-for-paying-off-credit-card-debt\">4 tips for paying off credit card debt&nbsp;<\/h2>\n\n\n\n<p>Now that you\u2019ve figured out how long your credit card debt will take to pay off, here are some tips that can help you prioritize, handle and manage your debt successfully:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-pay-off-cards-with-the-highest-interest-rates-first\">1. Pay off cards with the highest interest rates first&nbsp;<\/h3>\n\n\n\n<p>If you have multiple credit card balances, it may be smart to focus on paying off the card with the highest amount of interest first\u2014this method is often referred to as the debt avalanche strategy.&nbsp;<\/p>\n\n\n\n<p>Using this method is smart because you\u2019ll end up spending less on interest over time. To implement this strategy, find the card with the highest APR and try to settle on a reasonable monthly payment amount that is above your minimum payment, but still one that you can afford. Once that card is paid off, move onto the card with the next highest <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/how-to-lower-interest-rate.html\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">interest rate<\/a>. Repeat this process until you\u2019ve paid off your credit card debt.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-pay-off-cards-with-the-lowest-balance-first\">2. Pay off cards with the lowest balance first<\/h3>\n\n\n\n<p>Another great strategy is paying off cards with the lowest <a href=\"https:\/\/www.lexingtonlaw.com\/credit-education\/statement-balance-vs-current-balance\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">statement balance<\/a> first\u2014often referred to as the debt snowball method. Similar to the debt avalanche method, you\u2019ll focus on paying off the card with the lowest balance while continuing to make minimum payments on additional credit cards. When that card is paid off, move on to the one with the next smallest balance and continue the process until you\u2019ve paid off all of your debt.&nbsp;<\/p>\n\n\n\n<p>Both the debt avalanche and debt snowball methods are good strategies to use to help you take charge of your debt and <a href=\"https:\/\/www.lexingtonlaw.com\/bad-credit\/how-to-pay-off-cards-fast\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">pay off your credit cards faster<\/a>.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-consolidate-your-credit-card-debt\">3. Consolidate your credit card debt<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.lexingtonlaw.com\/bad-credit\/consolidate-credit-card-debt\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">Consolidating your credit card debt<\/a> can help make your credit card payments more manageable by combining all of your lines of credit into one monthly payment. You can do this by consolidating your debt to a single card or getting a debt consolidation loan. Transfer balance cards are also available, with some offering zero percent APR during the introductory period. This is a great way to transfer debt to a new card and focus on paying down the balance without accruing interest.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-create-a-realistic-budget\">4. Create a realistic budget<\/h3>\n\n\n\n<p>Budgeting is an essential part of debt management, but be realistic with yourself and create a budget based on your personal expenses and income. Avoid opening any additional lines of credit and accumulating more debt. Creating a solid budget may mean you need to reprioritize your expenses, but it will all be worth it on the road to becoming debt-free.&nbsp;<\/p>\n\n\n\n<p>To reach your goal of being credit card debt-free, our printable credit card payoff planners can help you maintain your card payments and help you manage your debt more efficiently. Keep track of each credit card with our credit card debt tracker. This planner can help you stay on top of your payments and keep track of your remaining balances at the end of each month.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1500\" height=\"935\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-debt-tracker-printable-mockup.jpg\" alt=\"Credit debt tracker\" class=\"wp-image-16219\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-debt-tracker-printable-mockup.jpg 1500w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-debt-tracker-printable-mockup-1100x686.jpg 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-debt-tracker-printable-mockup-768x479.jpg 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-debt-tracker-printable-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"1500\" height=\"200\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-debt-tracker-download-button-1.png\" alt=\"Credit card debt tracker\" class=\"wp-image-16213\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-debt-tracker-download-button-1.png 1500w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-debt-tracker-download-button-1-1100x147.png 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-debt-tracker-download-button-1-768x102.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/a><\/figure>\n\n\n\n<p>Or, keep an eye on your progress with our credit card payoff tracker. Fill out each credit card icon with a card\u2019s balance and once it\u2019s paid off, color in the card. Repeat this process until all of the cards are colored in.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1500\" height=\"1008\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-payoff-tracker-printable-mockup.jpg\" alt=\"Credit card payoff tracker\" class=\"wp-image-16220\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-payoff-tracker-printable-mockup.jpg 1500w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-payoff-tracker-printable-mockup-1100x739.jpg 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-payoff-tracker-printable-mockup-768x516.jpg 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-payoff-tracker-printable-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"1500\" height=\"201\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-payoff-tracker-download-button-1.png\" alt=\"Credit card payoff tracker\" class=\"wp-image-16215\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-payoff-tracker-download-button-1.png 1500w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-payoff-tracker-download-button-1-1100x147.png 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/07\/credit-card-payoff-tracker-download-button-1-768x103.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/a><\/figure>\n\n\n\n<p>Our credit card payoff calculator can help you get a handle on your finances so you won\u2019t be burdened by credit card debt. Learn more about <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/manage-credit-cards\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">how to manage your credit cards<\/a> to help you maintain a healthy credit score.<\/p>\n\n\n\n<p><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Paying off your credit card debt can help relieve financial stress, but how long will it take? Use our calculator to find out.<\/p>\n","protected":false},"author":63,"featured_media":16217,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[516],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit card payoff calculator: Plan your debt-free date - Lexington Law<\/title>\n<meta name=\"description\" content=\"Paying off your credit card debt can help relieve financial stress, but how long will it take? 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