Payoff Formula
Credit Card Payoff Calculator
Free
A free credit card payoff calculator. Enter your balance, credit limit, APR, and timeline — see exactly what to pay each month.
Payoff Formula helps you build a clear plan to pay off your credit card debt.
Enter your balance, credit limit, interest rate, and how long you want to pay it off. The app calculates your monthly payment using a utilization-based formula and shows you a complete month-by-month schedule.
No guessing. No hidden math. Every step of the formula is shown so you understand exactly what you're paying and why.
Features:
Step-by-step math breakdown of your payoff plan
Month-by-month payment schedule with utilization tracking
Color-coded utilization zones (red, yellow, green)
Add multiple credit cards and compare plans
Summary with highest payment, lowest payment, and total cost
All data stored locally on your device
No login, no ads, no tracking, completely free
Built by DevAppStudios.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, DevAppStudios LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- DevAppStudios LLC
- Size
- 17.6 MB
- Category
- Finance
- Compatibility
Requires iOS 13.0 or later.
- iPhone
Requires iOS 13.0 or later. - iPad
Requires iPadOS 13.0 or later. - iPod touch
Requires iOS 13.0 or later.
- iPhone
- Languages
- English
- Age Rating
16+
- 16+
- Copyright
- © 2026 DevAppStudios