$3,500 Credit Card Debt Calculator

How long will it take to pay off $3,500 in credit card debt?
Current Balance
New Monthly Charges
Interest Rate (APR)
Monthly Payment


It will take 20 months to pay off your balance.

You will pay a total of $367 in interest.

Here is how your balance will change over time:

Time Balance
initial $3,500
3 months $3,000
6 months $2,485
9 months $1,954
1 year $1,407
1 year, 3 months $844
1 year, 6 months $263
1 year, 8 months $0

When will I payoff my debt of $3.5k? This calculator will compute the time it takes to pay off your debt given a fixed payment each month. The higher the interest rate, the longer it will take, so consider trying to consolidate your debts at a lower rate.