How Long Will it Take to Pay off a Debt?

If you're carrying a balance on your credit card, you're probably eager to pay off that balance as quickly as possible. Here's where you can see how long it will take to get your balance to zero.

How Long Will it Take to Pay off a Debt?

Calculate

The length of time it will take to pay off your balance depends on your interest rate and how much you continue using your credit card. You can adjust your monthly payment in the calculator to see how that affects your timeline.

All calculators and tools are supplied as a courtesy only. HawaiiUSA Federal Credit Union is not responsible for the accuracy or completeness of information that you provide or information generated by the calculators. Please check your records carefully before inputting your information into the calculators or tools. All projected rates and results are estimates, are examples only, and are necessarily hypothetical in nature. No results are guaranteed. The output of the tools and calculators may vary with each use and over time. Please remember that the calculators and tools are not intended to replace the advice of qualified professionals, and you should consult with a qualified professional of your choice whenever specific advice is necessary or appropriate.