$400 Credit Card Debt Calculator

How long will it take to pay off $400 in credit card debt?
Current Balance
New Monthly Charges
Interest Rate (APR)
Monthly Payment


It will take 15 months to pay off your balance.

You will pay a total of $31 in interest.

Here is how your balance will change over time:

Time Balance
initial $400
3 months $321
6 months $240
9 months $156
1 year $70
1 year, 3 months $0

When will I payoff my debt of $0.4k? 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.