Credit Card Payoff Calculator Excel

Credit Card Payoff Calculator Excel to calculate early payoff for your credit card. Enter the current balance, interest rate, monthly payment, and the number of years that you wish to pay off your credit card. You will be shown a new credit card amortization schedule which is exportable to excel.

Early Credit Card Payoff Calculator
Current Balance	$
Interest Rate
Current Monthly Payment	$
Extra Monthly Payment	$
	OR
Desired Payoff Years	years

Original vs. Early Payoff
		Original		Early Payoff
Monthly Payment		$200.00		$300.00
Expected Payoff Time		62 months		35 months
Total Interest		$4,308.98		$2,293.42
Total Principal		$8,000.00		$8,000.00
Total Payment		$12,308.98		$10,293.42
Total Interest Savings		$0		$2,015.56
Payoff Date		Oct, 2028		Jul, 2026
Early Payoff Amortization Schedule
Payment Date	Payment #	Interest Paid	Principal Paid	Total Payment	Remaining Balance
Sep, 2023	1	$120.00	$180.00	$300.00	$7,820.00
Oct, 2023	2	$117.30	$182.70	$300.00	$7,637.30
Nov, 2023	3	$114.56	$185.44	$300.00	$7,451.86
Dec, 2023	4	$111.78	$188.22	$300.00	$7,263.64
Jan, 2024	5	$108.95	$191.05	$300.00	$7,072.59
Feb, 2024	6	$106.09	$193.91	$300.00	$6,878.68
Mar, 2024	7	$103.18	$196.82	$300.00	$6,681.86
Apr, 2024	8	$100.23	$199.77	$300.00	$6,482.09
May, 2024	9	$97.23	$202.77	$300.00	$6,279.32
Jun, 2024	10	$94.19	$205.81	$300.00	$6,073.51
Jul, 2024	11	$91.10	$208.90	$300.00	$5,864.61
Aug, 2024	12	$87.97	$212.03	$300.00	$5,652.58
Sep, 2024	13	$84.79	$215.21	$300.00	$5,437.37
Oct, 2024	14	$81.56	$218.44	$300.00	$5,218.93
Nov, 2024	15	$78.28	$221.72	$300.00	$4,997.22
Dec, 2024	16	$74.96	$225.04	$300.00	$4,772.17
Jan, 2025	17	$71.58	$228.42	$300.00	$4,543.76
Feb, 2025	18	$68.16	$231.84	$300.00	$4,311.91
Mar, 2025	19	$64.68	$235.32	$300.00	$4,076.59
Apr, 2025	20	$61.15	$238.85	$300.00	$3,837.74
May, 2025	21	$57.57	$242.43	$300.00	$3,595.31
Jun, 2025	22	$53.93	$246.07	$300.00	$3,349.24
Jul, 2025	23	$50.24	$249.76	$300.00	$3,099.47
Aug, 2025	24	$46.49	$253.51	$300.00	$2,845.97
Sep, 2025	25	$42.69	$257.31	$300.00	$2,588.66
Oct, 2025	26	$38.83	$261.17	$300.00	$2,327.49
Nov, 2025	27	$34.91	$265.09	$300.00	$2,062.40
Dec, 2025	28	$30.94	$269.06	$300.00	$1,793.33
Jan, 2026	29	$26.90	$273.10	$300.00	$1,520.23
Feb, 2026	30	$22.80	$277.20	$300.00	$1,243.04
Mar, 2026	31	$18.65	$281.35	$300.00	$961.68
Apr, 2026	32	$14.43	$285.57	$300.00	$676.11
May, 2026	33	$10.14	$289.86	$300.00	$386.25
Jun, 2026	34	$5.79	$294.21	$300.00	$92.04
Jul, 2026	35	$1.38	$92.04	$93.42	$0.00

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