Set the inputs
Enter the current card balance, annual rate and simulation start date, assuming no new spending.
Credit card payoff
Estimate card payoff with fixed or minimum payments and explicit assumptions beyond a dated minimum-payment profile.
Result
Adjust the example inputs, then calculate.
Monthly estimate using nominal annual / 12, without new purchases or cash advances. Interest rounds half up to cents before the minimum is computed on the post-interest balance. Minimum is the larger of the percentage and floor, capped at the amount due. Fixed payments must cover that minimum. Actual-day interest, grace periods and issuer statement rules are not modeled. After-2026 minima require your explicit assumption.
How to use this calculator
Check the terms
Choose fixed or minimum payments. Check the dated minimum-payment profile and set future assumptions when extending beyond it.
Read the result
Read total interest and payoff months. If payments fail the minimum or leave a balance, revise the budget before using the projection.
A worked example
Illustrative calculation
A 12,000 THB balance at an assumed 0%, paid at 1,000 THB monthly with no new charges, clears in 12 months if minimums are met.
Compare a second scenario
Compare a fixed payment with minimum plus extra, using the same balance, rate and start date. Check that both satisfy minimum payments.
Common questions
Where does my information go?
Calculations run in your browser. Financial inputs are neither saved locally nor sent to analytics. Reloading restores the initial values.
What are this model’s limitations?
This monthly model omits transaction dates, statement cutoffs and grace-period restoration. It may differ from a statement; the minimum profile also expires.