If you're one of the estimated 35 million Americans making only the minimum payment on their credit cards every month you may be surprised to learn how long it will take to pay off your balance. Enter your balance and pick an interest rate to see approximately how many months it will take to settle your debt.

This calculator assumes a minimum payment of 2% of the total monthly balance or $20 (whichever is larger), a static interest rate and no late or missed payments. Javascript must be enabled to use this tool.