0% credit card payoff calculator
By The Income Tracker · Updated 16 June 2026
The short answerA 0% card is free money, but only if you clear it before the deal ends. Enter your balance and the months you have left, and this works out the monthly payment that gets you to zero in time.
How to use it
- Balance left: what you still owe on the card.
- 0% months remaining: how long until the promotional rate ends.
- APR after 0% ends: the standard rate, shown on your statement. Optional, but it shows the cost of slipping up.
The one rule with 0% cards
Clear the balance before the 0% window closes. Set the monthly payment above as a standing order and forget about it. Leave it to the last minute and a single missed deadline can wipe out months of interest-free progress.
Frequently asked questions
- How much should I pay each month on a 0% credit card?
- Divide your balance by the number of 0% months left. Pay that each month and the balance reaches zero just as the deal ends. The calculator above does the maths for you.
- What happens when the 0% period ends?
- Any leftover balance starts accruing interest at the card's standard APR, often 20% or more. That is why clearing it in time matters so much.
- Is this calculator free?
- Yes, completely free, and nothing you type leaves your browser.
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