The Nper function will give you the number of months required given a fixed
monthly payment.

If the payment changes each month, you would need to build a table to determine
the months required.

Note that if you always use "2 to 3% of the unpaid balance", the loan will never
be paid off. To pay the loan off at some point, you will have to set a minimum
"minimum payment".

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Regards,
Fred


"Mike Johnstone" <Mike wrote in message
...
How can I calculate the amount of money needed and the amount of time in
months to pay off a credit card, it I know the balance, the percentage rate
(compound interest) and the monthly minimum payment (2 to 3% of the unpaid
balance)?