Credit Card Fee Calc
Use the free Credit Card Fee Calc on AixKit to get instant, accurate results in your browser. No sign-up or installation required.
Use the free Credit Card Fee Calc on AixKit to get instant, accurate results in your browser. No sign-up or installation required.
High credit card interest makes debt feel impossible to escape. This calculator shows you exactly when you'll be debt-free and how much you'll pay in interest — motivating you to pay more each month or explore balance transfers.
Credit card APR is applied monthly. Each month, your interest charge is: Balance × (APR ÷ 12). Only the amount above this interest charge reduces your actual balance.
Minimum payments are typically 1–2% of your balance or $25 (whichever is greater). At high APRs, paying the minimum can mean decades of debt. A $5,000 balance at 22% APR with $100/month minimum payments could take 7+ years and cost $3,000+ in interest.