Kreditkarten-Tilgungsrechner
Monate bis schuldenfrei, Gesamtzinsen und Tilgungsverlauf berechnen.
Lesen Sie auch: Kreditkarten-Ratgeber, Lawine vs Schneeball
So funktioniert es
A credit card payoff calculator estimates months to debt-free, total interest, and payment breakdown from balance, APR, and fixed monthly payment.
Zahlt die Rate nicht die Zinsen, wächst die Schuld. Beispiel: 6.500 €, 22,9 %, 250 €/Monat ≈ 34 Monate.
Warum Mindestzahlungen Schulden verlängern
Nur Mindestzahlung bei 22 % APR kann Schulden jahrzehntelang halten. Feste Monatsrate über Minimum zeigt Monate bis null und Gesamtzinsen.
Im ersten Monat sehen Sie Zins vs. Tilgung—Extra-Zahlungen reduzieren Kapital schneller.
0%-Balance-Transfers helfen bei Rückzahlung vor Promo-Ende—APR danach modellieren.
Leitfaden, Beispiele und Methodik
How to use this credit card payoff calculator
Enter your current card balance, APR, and the fixed monthly payment you plan to make—not just the minimum shown on the statement. The calculator returns months to pay off, total interest paid, and an amortization-style breakdown so you see how much of early payments go to interest versus principal. If you only pay the minimum, interest compounds on the remaining balance each month and payoff can stretch for years.
Minimum payment vs fixed payment
Issuers often set minimums at 1–3% of balance plus interest, which barely covers finance charges on high-APR cards. A credit card interest calculator should compare your planned payment to the minimum trap: even $50–$100 extra per month can cut years off the timeline. Model balance-transfer promo rates separately—0% APR windows change the math after the promo ends.
Example (USD)
| Input | Value | Note |
|---|---|---|
| Balance | $6,800 | One high-rate card |
| APR | 24.99% | Variable or penalty APR may differ |
| Payment | $250/mo fixed | vs ~$170 minimum-style |
| Outcome | ~32 months | Total interest ~$1,200 vs years on minimum |
APR, daily periodic rate, and compounding
Most US cards accrue interest daily on the average daily balance. Stated APR converts to a daily rate; paying mid-cycle reduces the balance subject to interest. This tool uses monthly compounding on a fixed APR—close enough for planning when your rate is stable. Cash-advance APR and separate balance buckets are not split here; use your statement for those lines.
Common mistakes
- Using minimum payment as the planned payment in the calculator.
- Ignoring annual fees or new charges while paying down.
- Assuming a 0% balance transfer lasts through full payoff without a post-promo APR plan.
- Stopping extra payments after one statement shows progress.
When to pair with other tools
With two or more debts, compare avalanche vs snowball on our debt payoff comparison calculator. For mortgage or auto loans in the mix, run those amortization tools separately—this calculator is for a single revolving balance with a fixed monthly payment.
How we calculate
Each month we apply your payment: interest accrues on the opening balance at APR/12, then principal receives the remainder. The loop continues until balance reaches zero. We do not model variable APR resets, penalty rates, or settlement offers—use lender disclosures for those scenarios.
Related calculators
- Schulden Avalanche vs Snowball
- Notgroschen-Rechner
- 50/30/20-Budget-Rechner
- Sparschnipsel Schuldenabbau Rechner
Häufige Fragen
How long will it take to pay off my credit card?
Depends on balance, APR, and payment. Enter your numbers here—a fixed payment well above the minimum often cuts payoff from decades to a few years on high-APR cards.
Was wenn die Rate zu niedrig ist?
Monatszins ≥ Rate: Schuld sinkt nicht—Rate erhöhen oder umschulden.
Avalanche vs Snowball?
Eine Karte, feste Rate; bei mehreren Schulden höchsten Zins zuerst.
Neue Umsätze enthalten?
Nein: keine neuen Umsätze, gleiche Monatsrate.
Snowball vs Avalanche?
Avalanche spart Zinsen.