Free calculator · no account needed

Credit card repayment calculator

Pay a fixed amount each month and see the interest and the time to clear the card.

Illustrative result

34 months

Interest is added monthly. If the payment does not cover interest, the result says the balance is not falling.

What about a promotional 0% period?

Use a zero rate for those months, then run the calculator again at the follow-on rate with the remaining balance.

The result stays in your browser. Create an Aldoraun account if you want to keep a budget, accounts and a cashflow forecast.

Estimates only. Tax and repayment rules can change, and this is not financial, tax or pension advice.