Live illustrative calculator
What changes when
you pay extra?
Model a single balance with a monthly payment and optional extra amount. This is a simplified payoff illustration, not an issuer calculation.
Run the calculator
Debt payoff lens
Make the extra
payment visible.
Change one assumption at a time. The model applies monthly interest before the payment and does not request an application or account connection.
Payoff illustrationBrowser only
Total modeled balance$8,000Starting balance
Monthly total$350Payment plus extra
Payoff time37 monthsSimplified model
Modeled interest$4,900Before other fees
The simplified model applies interest monthly, then applies the selected payment.
Estimate only. Actual card agreements can use daily interest, minimum-payment formulas, fees, variable APRs, and different payment allocation rules.
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