Show the math
Example A $4,200 card balance at 24.9 % APR, no new charges, interest charged monthly at APR ÷ 12.
r = 24.9 % ÷ 12 = 2.075 % per month
first month's interest = $4,200 × 0.02075 = $87.15
In words: the monthly rate is the yearly rate divided by twelve, and the first month's interest is the balance times that rate.
n = −ln(1 − r·B ÷ P) ÷ ln(1 + r)
P = $105: n = 86.28 → 87 payments, the last one $29.49
P = $250: n = 20.87 → 21 payments, the last one $217.91
In words: the number of months, n, depends on the balance B, the payment P and the monthly rate r. A fraction of a month becomes one smaller final payment.
Paying today's $105/month minimum, held at that amount, takes 87 months and $4,859.49 in interest. A $250/month plan takes 21 months and $1,017.91: 66 months and $3,841.58 less. Interest is summed month by month, rounded to the cent.
These are the app's Projection assumptions: a fixed payment, no new charges and a fixed APR. Card issuers usually charge interest daily, so a statement can differ.