Plan a payoff date for your card balance and see the payment required to hit it.
The required payment to clear a balance by a chosen date is exactly the PMT (payment) formula used for amortizing loans — your credit card balance behaves like a loan with the target payoff date as the term. Setting a concrete target date transforms an open-ended revolving balance into an actionable plan.
Required monthly payment
Payment = Balance × monthly_rate / (1 − (1 + monthly_rate)^−n)
Extend your target period by a few months — the relationship is non-linear because interest costs fall faster than the payment drops. Alternatively, use the Debt Consolidation Calculator to check whether a personal loan at a lower rate could reduce the payment.
No. This calculator assumes you stop adding charges to the card during the payoff period. Every new purchase resets the math; tracking those separately is the most accurate approach.
The Credit Card Calculator answers 'how long does it take to pay off if I pay $X/month?' This calculator answers the reverse: 'how much must I pay each month to be done by date Y?'