Check credits completed against requirements.
Progress toward a degree counts credits completed plus credits in progress, since work you are enrolled in will normally count on schedule. Subtracting that from the requirement gives what remains, and dividing by your per-term load gives the terms left — rounded up, because you cannot take a fraction of a term. Converting terms to years depends on how many terms your institution runs, which is why summer enrolment shortens a timeline: three terms a year instead of two turns a six-term remainder from three years into two. Credits are only part of graduation, though, since distribution and major requirements apply independently.
Credits remaining
Still needed = degree requirement - (completed + in progress)
Time remaining
Terms = ceiling(still needed / credits per term); years = terms / terms per year
An illustrative estimate only. Credit requirements, grading scales and progression rules are set by your institution and vary between programmes and academic years. Confirm all figures with your course handbook, registry or academic adviser before relying on them for any academic decision.
For planning, yes — you are enrolled and they will normally complete. For any official determination they do not count until graded, which is why a graduation audit run mid-term will show you short. Keep both figures in mind around eligibility deadlines.
No. Total credits are necessary but not sufficient. Degrees also require specified general education credits, major and minor requirements, minimum grades in certain courses and often a residency requirement. A formal degree audit is the only reliable check.