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Credit Card Balance Calculator for Forecasting Maxed Out Credit Limit

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.

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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.



Add or remove this page to/from my favorites.

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.