Credit Card Payoff Calculator – Aqua Blue edition The Credit Card Payoff Calculator is a single-sheet Excel workbook that shows how long an outstanding credit card balance will take to clear and how much interest it will cost. In the Credit Card Information block you enter the current balance, the annual interest rate (APR), and the two components of the card issuer's minimum payment rule: the percentage of the balance charged and the fixed minimum amount. From those entries the workbook builds three side-by-side payoff scenarios so the same debt can be compared under different repayment strategies. The first scenario pays only the contractual minimum: it applies the greater of the percentage-based payment and the fixed floor, then uses the NPER function to derive the number of months and years to clear the balance. The second scenario starts from a target repayment period you choose; the PMT function returns the monthly instalment needed to retire the balance within exactly that many months. The third scenario starts from a monthly payment you are willing to make and returns how long that payment will take to clear the card. Each of the three scenarios also reports total interest, calculated as the sum of all payments made less the original balance, which makes the cost of a slow payoff immediately visible. Every result is formula-driven and updates the moment any input changes, and each formula is guarded so the cells stay blank until the required inputs are present. Framed cells mark the entries you supply; all remaining figures are calculated automatically and should not be overwritten. This edition is styled in the Aqua Blue colour scheme, is fully in English, and is functionally identical to the original template.
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