Calculateur de Remboursement Carte
Mois pour solder la carte, intérêts totaux et tableau d'amortissement.
Lisez aussi: Guide remboursement carte, Avalanche vs boule de neige
Comment ça marche
A credit card payoff calculator estimates months to debt-free, total interest, and payment breakdown from balance, APR, and fixed monthly payment.
Si le paiement ne couvre pas les intérêts, la dette augmente. Ex. : 6 500 € à 22,9 %, 250 €/mois ≈ 34 mois.
Pourquoi le minimum prolonge la dette
Payer seulement le minimum à 22 % APR peut maintenir la dette des décennies. Fixez un paiement mensuel au-dessus du minimum pour voir mois jusqu'à zéro et intérêts totaux.
Le premier mois montre intérêts vs capital—paiements extra attaquent le principal plus vite.
Balance transfers 0 % aident si remboursé avant fin promo—modélisez APR après intro.
Guide, exemples et méthodologie
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
- Calculateur Avalanche vs Boule de Neige
- Calculateur de Fonds d'Urgence
- Calculateur Budget 50/30/20
- Accélérateur de Remboursement de Dettes
Questions fréquentes
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.
Et si le paiement est trop bas ?
Si intérêts mensuels ≥ paiement : augmentez le versement ou transférez le solde.
Avalanche ou boule de neige ?
Une carte, paiement fixe ; plusieurs dettes : plus haut taux d'abord.
Nouveaux achats inclus ?
Non : pas de nouveaux achats, même mensualité.
Boule de neige ou avalanche ?
L'avalanche minimise les intérêts.