This free credit card calculator helps you estimate how much time and interest you can save if you repay more than your minimum repayment.

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This free credit card calculator helps you estimate how much time and interest you can save if you repay more than your minimum repayment.

Assumptions

• This calculator does not take into account credit card fees.
• It is assumed that there is no additional spending on the card and no cash advances.
• This calculator does not take into account any interest free period.
• The interest rate is the annual rate on your credit card and is compounded monthly.
• The minimum repayment is calculated based on the card balance and the minimum repayment percent or dollars entered. It varies from month to month.
• It assumes the higher amount remains constant each month.

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