Debt & loans
Credit Card Calculator
Credit Card Calculator is free to use. Enter your figures below and the result updates as you type. Use it for planning; it is an estimate, not advice.
About the Credit Card Calculator
Months = −ln(1 − r × B ÷ P) ÷ ln(1 + r), using the monthly rate from the APR.
Card APRs are high, so paying more than the minimum helps a lot.
How to use the Credit Card Calculator
- Enter each figure in the boxes above, using the same currency and time units.
- The result updates as you type. Press Calculate to refresh it at any time.
- Change one figure at a time to see how much it moves the result.
Frequently asked questions
What is the Credit Card Calculator used for?
Card APRs are high, so paying more than the minimum helps a lot.
How accurate is the Credit Card Calculator?
It applies standard formulas to the figures you enter. Real results depend on actual rates, fees, taxes and timing, so treat the output as an estimate and confirm with your bank or adviser.
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