Calculator: Credit card repayment reality check

Credit card reality check calculator: How long would it take to clear yours with minimum payments?


This credit card calculator can throw up some shocking results, as it shows how long it could take to pay your bill off if you only made minimum payments.

See your payments and see what happens if you’ve been lured into taking a credit card with a low-interest introductory offer that has expired, forcing you to paying higher rates for longer, much longer.

Warning: This calculator does not factor in the time it would take to repay a credit card debt where the minimum payment is calculated as a percentage of the outstanding loan. This can add many years to the payback time as the amount you repay reduces along with the amount you owe. Always try to fix your payments at a set amount. 

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