Credit Card Payoff Calculator

Credit Card Payoff Calculator — How Long Until Zero — and What It Really Costs.

Enter your card balance, APR and a fixed monthly payment, and see how many months it takes to clear the card, what you pay in total, and a month-by-month schedule of the balance falling. Comes pre-filled with a worked example — a ₹1,20,000 balance at 36% APR paid at ₹8,000 a month — so you see exactly how it works, then type your own numbers over it.

What's inside

• Months-to-clear calculation from balance, APR and monthly payment
• Approximate total paid and total interest at a glance
• Warns you when the payment is too small to ever clear the balance
• 60-month schedule — opening balance, interest, payment, closing balance
• Pre-filled worked example included — see how it works, then type over it
• Printable A4 PDF version included

How it works

Open the spreadsheet in Excel, Google Sheets or LibreOffice. Fill in the gold input cells — every total, balance and percentage calculates automatically. It comes pre-filled with example data so you can see exactly how it works — just type over the examples with your own numbers. Category and status columns have dropdown menus, and key columns colour-code themselves as you type. Prefer paper? A print-ready A4 PDF version is included.

Specifications

• Format: XLSX (live formulas) + printable PDF + read-me
• Works in: Excel, Google Sheets, LibreOffice
• Currency: ₹ by default — switch to any currency in one step (Format Cells)
• License: full rights — use, edit, rebrand & resell
• Updates: free for life

Full rights

Sold with full rights: use it personally or with clients, edit anything, and even rebrand and resell it — keep 100% of the income, no attribution required. Customise before reselling (marketplaces reject identical duplicates).

Please note

A personal organisation tool, not financial advice. Digital download — delivered instantly, so all sales are final; future updates are free.