🧾 Credit Cards

Credit Card Minimum-Payment Payoff Simulator

Model payoff time using your issuer's minimum-payment formula assumptions.

Enter your assumptions

Current card balance

Annual revolving rate (%)

Assumed minimum-payment percentage (%)

Assumed minimum fixed payment

Simulated payoff time

—

Estimated interest—

Estimated total paid—

Annual rate—

First minimum payment—

Actual minimum-payment formulas, interest start dates, rates, fees, and loan terms depend on the issuer or lender contract.