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Tools/Credit card payoff

Credit card payoff calculator

Enter your balance, APR, and the fixed monthly payment you can make. We will show how long it takes to pay off and the total interest cost.

Current balance (USD)

APR (%)

Monthly payment (USD)

Your payoff plan

Time to payoff

-

Total interest

-

Total paid

-

Your monthly payment is too low to cover the interest. Increase it to reduce the balance.

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trustpointloans.com is not a lender and does not make credit decisions. We provide informational content and connect users with third-party lenders. Loan amounts, rates, terms, and approval are determined solely by the lender. Submitting your information does not guarantee approval, and our service is not available in all states.

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Check your loan options

Soft credit pull. No impact to your score.

Step 1 of 7 🔒 256-bit SSL

How much do you need?

Email What's this loan for? How would you rate your credit?

A bit about you

Lenders need this to verify your identity.

Date of birth

How can we reach you?

Email Mobile / home phone Work phone

Must be different from your home phone.

Best time to reach you

Where do you live?

Street address

ZIP code I own my home Time at this address

Your income

Source of income Employer / income source name Time at this job Net monthly income (after taxes) How often do you get paid? Next payday Payday after that

We auto-fill this based on how often you get paid; adjust if it's wrong.

Last step — verify identity & set up funding

Lenders use this to confirm who you are and where to deposit your funds.

🛡

Bank-grade security

256-bit encryption · soft credit check only (no impact to your score) · shared only with lenders you match with.

Social Security Number

Used to verify your identity. Encrypted at rest.

Account type Bank name Routing number (9 digits) Account number

My paychecks are direct deposited to this account

Almost there — review and submit

Double-check your info, then we'll match you with a lender.

I agree to be contacted by phone/text/email about my loan options and accept the Privacy Policy and Terms of Service.

Finding your match…

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We couldn't find a match right now

Based on what you told us, none of our lender partners can extend an offer right now. This can change quickly — try again in a few days, or learn how to improve your odds in our Borrow Smarter articles.