Calculadora de Pago de Tarjeta
Calcule meses para pagar la tarjeta, intereses totales y tabla de amortización.
Lea también: Guía pago tarjeta, Avalancha vs bola de nieve
Cómo funciona
Calculadora de tarjeta de crédito: meses hasta saldar, intereses totales y cuota fija mensual.
Si el pago mensual no cubre los intereses, la deuda crece. Ej.: 6.500 € al 22,9% con 250 €/mes ≈ 34 meses.
Por qué el pago mínimo mantiene la deuda
Pagar solo el mínimo en una tarjeta al 22% APR puede mantener la deuda décadas. Fije un pago mensual fijo por encima del mínimo para ver meses hasta cero e intereses totales.
El primer mes muestra cuánto va a intereses versus principal—pagos extra atacan principal más rápido.
Balance transfers 0% ayudan si paga antes del fin del promo—modele APR después del intro.
Guía, ejemplos y metodología
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
- Calculadora Avalancha vs Bola de Nieve
- Calculadora de Fondo de Emergencia
- Calculadora 50/30/20
- Optimitzador de Deudas Snowflake
Preguntas frecuentes
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.
¿Y si el pago es demasiado bajo?
Si interés mensual ≥ pago, la deuda no baja: suba el pago o transfiera el saldo.
¿Avalancha o bola de nieve?
Una tarjeta con pago fijo; con varias deudas, priorice mayor APR.
¿Incluye nuevos cargos?
No: asume sin nuevos cargos y mismo pago mensual.
¿Bola de nieve o avalancha?
Avalancha ahorra más intereses.