Credit Card Balance Calculator for Forecasting Maxed Out Credit Limit

Credit Card Balance Calculator Sign

This calculator will attempt to forecast if and when you will max out your credit card based on your current charging habits and making only the minimum monthly payment.

This calculator requires that you enter the credit limit on your card and then shows you if and when your balance will grow to exceed that limit.

And finally, the results include a month-by-month chart showing the growth of your credit card balance.

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Credit Card Balance Calculator

Forecast future credit card balance to see if and when you will max out your credit limit on the card.

Special Instructions

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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 online 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.

Help and Tools


How to Trap a Human Being.

6 Steps to Trapping A Human In Credit Debt

Step #1: Starve the human being of the financial education required to instantly recognize a financial trap.

Step #2: Hire professional actors and actresses to expertly pretend their lives are infinitely easier and happier after acquiring shiny new and improved widgets. Also hire the professionals to expertly pretend that to attract and hold the love of others, all they have to do is provide others with shiny new and improved widgets. This will cause the human being to believe their happiness depends on how many widgets they can acquire for themselves and others.

Step #3: Give the human being a piece of plastic that allows them to acquire the shiny new widgets without having to work to pay cash for them up front. This pushes the pain of having to work for the widgets too far into the future to seem of any consequence. And depending on how well you executed step #2, the human being may even actually agree to pay you an 18%-20% annual fee.

Step #4: Allow the human being to take 20 to 30 years to repay the widgets charged on their account. This makes the monthly payments seem too small to be of any consequence.

Step #5: As the human being approaches the limit of how many shiny new widgets they can have without having to work for the cash to purchase them, increase the credit limit. In effect, this gives the human more rope to hang themselves with.

Step #6: As soon as the human being's monthly payment exceeds their ability to pay, spring the trap by immediately increasing their APR to the penalty APR (29%) and tack on a $35 fee for every month their balance is above the now maximum credit limit, plus another $35 fee for every month their payment is late. This will ensure that the human being is trapped for good.

If the above steps fail to lure the human being into the trap, perhaps the human being has spent too much time in the credit card calculators section of

Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.