Paying just the minimum keeps you in debt for years and can cost more in interest than the original balance. Enter your balance, APR, and minimum-payment rule to see exactly how long it takes and what it really costs.
The card
$
%
% of balance
$
Years to pay off
68.08
Total interest paid
$35,958
Total paid
$40,958
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How it's calculated
Each month interest is added, then you pay the greater of a percentage of the balance or a dollar floor.
As the balance shrinks the minimum shrinks too — which is what stretches it out for years.
We total the interest and time until it's fully paid. If the minimum is smaller than the monthly interest, the balance never falls — we flag that rather than guess a number.