Credit Card Calculators
What carrying a balance costs, how fast you can clear it, and whether the card earns back its annual fee.
What a balance costs
5 calculatorsSee how long a credit card balance takes to clear if you pay only the minimum due, the interest and GST you pay each month, and what new spends add.
Plan paying off one or more credit cards: months to be debt-free on your budget, or the payment needed to clear them by a date.
Credit card EMI calculator: the instalment, total interest, processing fee and 18% GST on a card purchase converted to EMI, so you know the full cost.
Work out what withdrawing cash on a credit card costs: the cash advance fee, interest from day one, GST, the total and the effective annual cost.
Find what a foreign currency spend really costs on your credit card: forex markup, dynamic currency conversion, GST, the total in rupees and the effective rate.
Rewards and limits
2 calculatorsFind out if a credit card is worth its annual fee: rewards a year from your spends by category, fee waiver, net value and the spend needed to break even.
Work out how much of your total credit card limit you are using across cards, and the payment that brings it under 30% or any target you choose.
Which credit card calculators should you use?
Credit Card Interest shows what paying only the minimum due does: months of interest plus GST on that interest, month by month. Credit Card Payoff works the other way, from the date you want to be clear to the payment that gets you there.
Credit Card EMI converts a purchase into instalments and adds the processing fee and the GST on interest that a quoted rate leaves out. Cash Withdrawal and Forex Markup cost the two charges people forget: interest from the day of an ATM withdrawal, and the markup on foreign spends.
Rewards vs Annual Fee values the points you earn on your own spending against the fee, and Credit Utilization shows how much of your limit you are using across cards.
Every card's rates and fees differ, so each page opens with an example card and asks you to enter your own card's figures from its most important terms and conditions.
Practical Guides & Rules
The real-world rules, bank fine-print, and formulas behind these calculations.
Personal Loan or Credit Card EMI?
The real cost in India of converting a card purchase to EMI against taking a personal loan, including the processing fee and the 18% GST on it.
GST on Credit Card EMI: What You Actually Pay
GST applies to the interest and the processing fee on a card EMI conversion. Where it lands, how much it adds, and why the advertised rate hides it.
Why a Card EMI Blocks Your Credit Limit
Converting a purchase to EMI does not free up your credit limit. How much stays blocked, how it unwinds, and what it does to your credit score.
How to Close a Credit Card EMI Early
What foreclosing a card EMI costs, when it saves money, and the one mistake that leaves you paying interest on a debt you thought you had cleared.
Also useful in this workflow
Tools that belong to other categories but are frequently referenced when making these calculations.
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Reviewed by Pradipta Ray, MBA (Finance) · Updated