New Design Not working For You?

If the new page layout is not working for you, please Contact Me and let me know what device, operating system, and web browser (with version numbers) you are using so I can attempt to get the layout working for your setup.

About the Redesign

If you visited this site prior to September 15th, 2018, you've no doubt noticed that I've since launched a complete redesign of the website.

If you're not happy with the new design, I sincerely apologize. I would have preferred to keep the old desktop design, but considering the majority of my site's users are now accessing the site from small-screen, touch-enabled, mobile devices, and considering Google is now penalizing websites for not being mobile/thumb friendly, I was left with no choice but to switch to a responsive, mobile-first design.

The good news is that now that I have combined the three separate versions of the site (mobile, desktop, and ad-free member) into a single design, this will free up a ton of my time for working to make the mobile-optimized calculators more desktop/laptop friendly. In fact, some of the redesigned calculators already offer a desktop-optimized form that becomes visible when you increase the width setting of the calculator (within the "Calculator Preferences" expandable panel).

Thank you in advance for your help and patience as I work to improve the redesign.


Calculator Preferences
Credit Card Balance Calculator Sign

Credit Card Balance Calculator

This calculator will attempt to forecast if and when you will max out your card based on your current charging habits and on making only the declining minimum monthly payment. Results include a month-by-month chart showing how your balance, payment, and interest charges will grow over time. The $ecret tab includes:

  • 6 steps to trapping a human in credit card debt.
Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Balance:Balance owed:Current balance owed:Current balance owed:

Current balance owed:

Enter the current balance on your credit card. Enter as a dollar amount, but without the dollar sign and any commas. If you have added any new charges to your card since your last statement, be sure to include those as well.

APR %:Annual rate %:Annual percentage rate:Annual percentage rate:

Annual percentage rate:

Enter the annual interest rate you are being charged on the credit card. Enter as a percentage, but without the percent sign (for .1799 or 17.99%, enter 17.99).

Min pmt:Minimum payment:Current minimum payment amount:Current minimum payment amount:

Current minimum payment amount:

Enter the minimum payment amount for the current month. Enter as a dollar amount, but without the dollar sign and any commas.

Credit limit:Credit limit:Credit limit:Credit limit:

Credit limit:

Enter the total credit limit (not just the available credit) from your most recent credit card statement. Enter as a dollar amount, but without the dollar sign and any commas.

Annual fee:Annual fee:Annual fee:Annual fee:

Annual fee:

If your credit card carries an annual fee, enter the amount on this line. Enter as a dollar amount, but without the dollar sign and any commas. If no annual fee, enter a zero or leave blank.

Monthly chg:Monthly purchases:Monthly purchases:Monthly purchases:

Monthly purchases:

Enter the average dollar amount of purchases you charge to the card each month. Enter as a dollar amount, but without the dollar sign and any commas.

Min pmt %:Minimum pmt %:Minimum payment percentage:Minimum payment percentage:

Minimum payment percentage:

Based on your entered current balance and minimum payment, this is the minimum payment percentage used to figure your monthly payment. The calculator will use this percentage for calculating the remaining payment amounts. If your balance is zero, the calculator will use the default 3% figure.

Months:Months to max:Months till credit card maxed out:Months till credit card maxed out:

Months till credit card maxed out:

Based on your entries this is how many months the calculator estimates it will take for you to max out your credit card. If the result is n/a, this means that your card will not be maxed out for at least 1,000 months (the maximum number of months the calculator will attempt to forecast the credit card balance).

If you would like to save the current entries to the secure database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Feedback AppreciatedFeedback Greatly AppreciatedYour Feedback Would Be Greatly AppreciatedYour Feedback Is Greatly Appreciated


Help and Tools

Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.



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