Credit Card Payoff Tables — 128 Balance & Rate Combinations

Built from the same amortisation loop as the calculator · monthly compounding

Every combination of a starting balance and an APR gets its own page, and every page answers the same two questions: how long a given payment takes to clear the debt, and what monthly payment clears it in a chosen number of months. Pick a rate, then a balance.

How the rates compare at $5,000

The same $5,000 balance paid at the 2% minimum, across every rate in the library. This is the clearest view of why the rate matters less than the payment size once the minimum drops below the interest charge.

APRFirst-month interestTime to clearTotal interest
12%$505 years 10 months$1,966
15%$626 years 7 months$2,896
18%$757 years 10 months$4,311
20%$839 years 1 month$5,840
22%$9211 years 5 months$8,678
24%$100never—
26%$108never—
29%$121never—
12% APR
$500 $1,000 $1,500 $2,000 $2,500 $3,000 $4,000 $5,000 $6,000 $7,500 $10,000 $12,500 $15,000 $20,000 $25,000 $30,000
15% APR
$500 $1,000 $1,500 $2,000 $2,500 $3,000 $4,000 $5,000 $6,000 $7,500 $10,000 $12,500 $15,000 $20,000 $25,000 $30,000
18% APR
$500 $1,000 $1,500 $2,000 $2,500 $3,000 $4,000 $5,000 $6,000 $7,500 $10,000 $12,500 $15,000 $20,000 $25,000 $30,000
20% APR
$500 $1,000 $1,500 $2,000 $2,500 $3,000 $4,000 $5,000 $6,000 $7,500 $10,000 $12,500 $15,000 $20,000 $25,000 $30,000
22% APR
$500 $1,000 $1,500 $2,000 $2,500 $3,000 $4,000 $5,000 $6,000 $7,500 $10,000 $12,500 $15,000 $20,000 $25,000 $30,000
24% APR
$500 $1,000 $1,500 $2,000 $2,500 $3,000 $4,000 $5,000 $6,000 $7,500 $10,000 $12,500 $15,000 $20,000 $25,000 $30,000
26% APR
$500 $1,000 $1,500 $2,000 $2,500 $3,000 $4,000 $5,000 $6,000 $7,500 $10,000 $12,500 $15,000 $20,000 $25,000 $30,000
29% APR
$500 $1,000 $1,500 $2,000 $2,500 $3,000 $4,000 $5,000 $6,000 $7,500 $10,000 $12,500 $15,000 $20,000 $25,000 $30,000

Frequently asked questions

How many combinations does this library cover?
16 balances from $500 to $30,000 crossed with 8 APRs from 12% to 29%, which is 128 pages. Each one carries the full payment ladder rather than a single headline number.

Why do the pages disagree with my statement?
Issuers compound daily on an average daily balance and add fees, late charges and promotional rates into the mix. This library uses the cleaner monthly model the calculator itself uses, so the direction of the answer is right while the exact month count can drift by a payment or two.

If the debt spans several cards, the order in which you attack them changes the interest bill. The CardDebtCalc snowball and avalanche calculator simulates both orders side by side on your own numbers.