Credit card calculators
See what your card's interest, minimum repayments, fees and cash advances cost, how soon you could clear it, and what a balance transfer or rewards card is worth.
14 calculators, free and with no sign-up. Every result shows its working.
How long would the minimum take?
The minimum payment calculator's working at 21.24% a year, with a minimum of 2% of the balance or $20, whichever is more, and no new spending.
- Minimum only$26,576
- $100 more$2,072
Paying $100 more a month clears it in 3 years and 11 months and saves $24,505.
Where most people start
Credit Card Interest Calculator
The interest your card balance is costing you
Minimum Payment Calculator
How long paying only the minimum takes, and the interest it costs
Balance Transfer Calculator
What moving your balance to a 0% card saves, after the fee
Credit Card Payoff Calculator
A payment plan to clear your card by the date you choose
All 14 calculators, by what they answer
What is my card costing me?
- Credit Card Interest CalculatorThe interest your card balance is costing you
- Minimum Payment CalculatorHow long paying only the minimum takes, and the interest it costs
- Annual Fee vs Benefits CalculatorWhether your card's perks are worth its annual fee
- Cash Advance CalculatorWhat taking cash out on a credit card really costs
- Foreign Transaction CalculatorThe fees on spending overseas or in a foreign currency
- Buy Now Pay Later Impact CalculatorThe fees on buy now pay later, and what missed payments add
How do I clear the balance?
Choosing and using a card
- Credit Card Comparison CalculatorCards' rates, fees and rewards side by side
- Rewards Points CalculatorWhat your points are worth against the card's fee
- Cashback CalculatorThe cashback your spending would earn in a year
- Credit Limit CalculatorThe credit limit your income could repay
- Credit Utilization CalculatorHow much of your credit limits you're using, card by card
Every card issuer's best figure today
Read from each institution on 7 November 2026Days without interest on purchases when the balance is paid in full. One dot per institution, at its longest interest-free period anyone can apply for; hover or tap a dot for its name.
The figures in full
As of 7 November 2026, the lowest credit card purchase rate is 7.49%, from Unity Bank's Low Rate Visa Credit Card, while the typical best across 51 institutions is 12.49%.
The real products and rates
Run the numbers here, then see what's actually on offer: every product, policy or payment rate, as its provider or the government publishes it.
Questions these calculators answer
- How is credit card interest calculated?
- Interest is charged on the balance you haven't paid off, at the card's annual rate. Card terms set the method, and interest added to the balance then attracts interest itself. This calculator applies a twelfth of the annual rate each month. Open the Credit Card Interest Calculator
- Should I get a low rate or rewards card?
- If you always pay in full, compare the rewards' value with the fee. If you carry a balance, the interest rate usually matters more than rewards. The calculator works it out for your spending. Open the Credit Card Comparison Calculator
- Is a balance transfer worth it?
- It can be, if you clear most or all of the balance during the promotional period and the transfer fee is less than the interest you'd otherwise pay - the calculator compares the two. Open the Balance Transfer Calculator
- Why are minimum repayments so low?
- The minimum is set as a small percentage of the balance, typically 2% or 2.5% according to Moneysmart. At credit card rates, a large share of that goes on interest, so the balance falls slowly and the minimum falls with it. Open the Minimum Payment Calculator