Credit Payment Calculator

Estimate monthly interest, principal repayment, and how long it takes to pay off a balance.

First month's payment

Monthly payment
Interest portion
Principal portion
🟠 Interest: 🟢 Principal:

Estimated payoff

Time to pay off
Total interest
Total paid

Estimates use a fixed annual rate divided by 12, payments at the end of each month, and no additional borrowing or fees. Actual lines of credit often accrue interest daily, so lender figures can differ. Amounts are rounded for display.

Month-by-month repayment schedule

MonthPaymentInterestPrincipalRemaining balance