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Credit Card Minimum Payment Calculator

Use this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments. Enter your credit card information below and press "View Report" to see your payoff details.

Minimum payments will take CURRENT_PAYOFF to payoff your debt.

You owe a total of OUTSTANDING_BALANCE having a total monthly payment of MONTHLY_PAYMENT. If you continue to make the minimum payments it will take you CURRENT_PAYOFF to payoff this debt. The total interest paid will be INTEREST_CURRENT.**GRAPH**

**PAYOFF_ITEMS**
Debt Summary
  Balance Interest Rate Monthly Payment Interest Owed Total Payments Time to Payoff Payment Type
Totals OUTSTANDING_BALANCE AVERAGE_RATE MONTHLY_PAYMENT INTEREST_CURRENT CURRENT_BALANCE CURRENT_PAYOFF  




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This Financial Calculator requires SUN's Java™ Plug-in. If you see this message you will need to download SUN's Java™ Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing “Install ActiveX Control”.

    You can also get SUN's Java™ Plug-in here: Get the Java™ Plug-in!

    For more information about this Plug-in please visit: SUN's Java™ Plug-in
    For more information these financial calculators please visit: Financial Calculators from KJE Computer Solutions, LLC



Definitions

Balance
Your current balance on your credit card.

Interest rates
The average annual percentage rate you pay. This interest rate is calculated for each of the categories of debt you have including credit cards, Auto Loans and other installment loans. For credit cards the rate you enter is used to calculate the interest on all future credit card payments. The length of time to pay off this credit card may be much greater than calculated if you enter a low promotional interest rate that is only good for a short period of time.

Payment %
This is the percent of your outstanding balance that will be used to calculate your minimum payment for the month. Your monthly payment is calculated as the percent of your current outstanding balance you entered, but will never be less than $15. Your monthly payment will decrease as your balance is paid down. This can greatly increase the length of time it takes to pay off your credit cards.

Payment $
This is your initial monthly payment. For credit cards, this is calculated as your minimum payment. Your monthly payment is calculated as the percent of your current outstanding balance you entered. Your monthly payment will decrease as your balance is paid down. This can greatly increase the length of time it takes to pay off your credit cards.