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Contact Us Disclaimer - This calculator and information on this page is for educational and illustrative purposes only and not in any way meant to provide financial advise. We do not guarantee the results. Interest of your credit facilities is usually variable and therefore all calculation are only estimates and may not be appropriate to your unique financial situation. Use this calculator at your own risk. You should seek the advice of qualified professionals regarding your Debt and Credit Card Repayments. This credit card pay-off calculator for excel is a pretty simple spreadsheet that can solve for minimum monthly payments, for a time to pay off, for total interest as a sum of both interest on cash balance and balance on card purchases. This all will help in getting the answer to the question of how long it takes to pay off your credit card balance by making only minimum payments.