Set your inputs and units
Enter amounts in THB and choose a period and rate basis that match the scenario you want to model.
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 assumptions
Review contribution timing, day-count basis or reserve duration. Financial products do not all use the same rules.
Calculate and compare
Read the result and table, then change inputs to compare. Copy the result or reset without leaving this page.
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
Copy your first result, then change only the amount or duration to see how that assumption changes the outcome.
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.
Does this match a bank statement or guarantee a return?
This is an estimate under your assumptions, not a guaranteed return. Actual payment dates, fees, taxes and contractual rounding can change the result.