Ever wondered how long it will take to pay off your credit card with those minimum payments? PayBackTime will tell you! This script is focused on determining how long it will take to pay off a loan or credit card, given a minimum payment, balance, and interest rate. The results will show the time it will take to pay off the balance with that monthly payment, number of payments, and the total interest the user will end up paying. For illustration purposes, it also shows the same data based on a bi-weekly payment of half the amount of the monthly payment.