Credit Card Minimum Plus (2006 Rules) by Payoff Time Calculator View Calculator Enter all the information about your credit card terms and the number of years and/or months you would like to have this card paid and this calculator will show how much additional you will need to pay each month (over the 'Payment Due' amount on your credit card statement) in order to meet that payoff time. Your payment will still be based on the minimum payment amount so it will still change each month. You will simply pay the same additional amount with each payment you make. Learn more about putting this calculator or other calculators on your website.