Why might it say the debt never clears?

If your payment is smaller than the monthly interest, the balance grows instead of shrinking, so it can never be paid off.

Does the APR compound monthly?

Yes, the APR is divided by twelve and applied to the remaining balance each month.

Find how many months a fixed payment takes to clear a debt and the total interest.

CurrencyBalanceAPR (%)Monthly payment

Months to pay off

About 2y 9m

Total interest$1,600.00

Enter a balance, APR, and fixed monthly payment to see how long it takes to pay off and the total interest paid.

Why might it say the debt never clears?: If your payment is smaller than the monthly interest, the balance grows instead of shrinking, so it can never be paid off.
Does the APR compound monthly?: Yes, the APR is divided by twelve and applied to the remaining balance each month.