Credit Card

Credit Card Calculator

Work out what carrying a balance really costs, what paying only the minimum does to you over time, whether a balance transfer offer is actually cheaper, and whether a rewards card's fee is worth it at your own spend. Nothing you type here leaves your browser — your inputs are saved to this browser only, so they're still here next time you visit.

The balance you're carrying

What a chosen monthly repayment actually costs on your card

I paid my last statement in full by its due date Most cards give up to ~44-55 interest-free days on new purchases, but only while the previous statement was cleared on time. Check your own card's terms for the exact number.

Balance to pay off ($)

$2,000.00

Interest rate on purchases (% p.a.)

Printed on your statement, usually per year. Pre-filled with an example rate — last verified 14/07/2026.

What you plan to pay each month ($)

$150.00

Results

Months to pay it off 16

Total interest paid $279.17

Total paid (balance + interest) $2,279.17

#	Date	Payment	Interest	Principal	Balance
1	19/08/2026	$150.00	$33.17	$116.83	$1,883.17
2	19/09/2026	$150.00	$31.23	$118.77	$1,764.40
3	19/10/2026	$150.00	$29.26	$120.74	$1,643.66
4	19/11/2026	$150.00	$27.26	$122.74	$1,520.91
5	19/12/2026	$150.00	$25.22	$124.78	$1,396.13
6	19/01/2027	$150.00	$23.15	$126.85	$1,269.29
7	19/02/2027	$150.00	$21.05	$128.95	$1,140.34
8	19/03/2027	$150.00	$18.91	$131.09	$1,009.25
9	19/04/2027	$150.00	$16.74	$133.26	$875.98
10	19/05/2027	$150.00	$14.53	$135.47	$740.51
11	19/06/2027	$150.00	$12.28	$137.72	$602.79
12	19/07/2027	$150.00	$10.00	$140.00	$462.79
13	19/08/2027	$150.00	$7.67	$142.33	$320.46
14	19/09/2027	$150.00	$5.31	$144.69	$175.78
15	19/10/2027	$150.00	$2.91	$147.09	$28.69
16	19/11/2027	$29.17	$0.48	$28.69	$0.00

Assumes the same fixed repayment every month with no new purchases added to the balance and no missed payments. Estimates only, not financial advice.

Your card and its minimum repayment

Issuers vary — check your own statement for the exact percentage and dollar floor it uses

Balance owing ($)

$3,000.00

Interest rate (% p.a.)

Pre-filled with an example rate — last verified 14/07/2026.

Minimum repayment (% of balance)

e.g. "2%" on your statement's minimum-payment line.

Minimum repayment dollar floor ($)

$20.00

e.g. "2% or $20, whichever is greater" — this is the $20.

Compare against paying a fixed amount instead ($, optional)

$150.00

Leave blank to see the minimum-only outcome by itself.

Paying the minimum only

Months to clear the balance priciest 429

Total interest paid priciest $10,856.11

Total paid $13,856.11

#	Date	Payment	Interest	Principal	Balance
1	19/08/2026	$60.00	$49.75	$10.25	$2,989.75
2	19/09/2026	$59.80	$49.58	$10.21	$2,979.54
3	19/10/2026	$59.59	$49.41	$10.18	$2,969.35
4	19/11/2026	$59.39	$49.24	$10.15	$2,959.21
5	19/12/2026	$59.18	$49.07	$10.11	$2,949.10
6	19/01/2027	$58.98	$48.91	$10.08	$2,939.02
7	19/02/2027	$58.78	$48.74	$10.04	$2,928.98
8	19/03/2027	$58.58	$48.57	$10.01	$2,918.97
9	19/04/2027	$58.38	$48.41	$9.97	$2,909.00
10	19/05/2027	$58.18	$48.24	$9.94	$2,899.06
11	19/06/2027	$57.98	$48.08	$9.91	$2,889.16
12	19/07/2027	$57.78	$47.91	$9.87	$2,879.29
13	19/08/2027	$57.59	$47.75	$9.84	$2,869.45
14	19/09/2027	$57.39	$47.59	$9.80	$2,859.64
15	19/10/2027	$57.19	$47.42	$9.77	$2,849.87
16	19/11/2027	$57.00	$47.26	$9.74	$2,840.14
17	19/12/2027	$56.80	$47.10	$9.70	$2,830.43
18	19/01/2028	$56.61	$46.94	$9.67	$2,820.76
19	19/02/2028	$56.42	$46.78	$9.64	$2,811.12
20	19/03/2028	$56.22	$46.62	$9.60	$2,801.52
21	19/04/2028	$56.03	$46.46	$9.57	$2,791.95
22	19/05/2028	$55.84	$46.30	$9.54	$2,782.41
23	19/06/2028	$55.65	$46.14	$9.51	$2,772.90
24	19/07/2028	$55.46	$45.98	$9.47	$2,763.43
25	19/08/2028	$55.27	$45.83	$9.44	$2,753.99
26	19/09/2028	$55.08	$45.67	$9.41	$2,744.58
27	19/10/2028	$54.89	$45.51	$9.38	$2,735.20
28	19/11/2028	$54.70	$45.36	$9.35	$2,725.85
29	19/12/2028	$54.52	$45.20	$9.31	$2,716.54
30	19/01/2029	$54.33	$45.05	$9.28	$2,707.26
31	19/02/2029	$54.15	$44.90	$9.25	$2,698.01
32	19/03/2029	$53.96	$44.74	$9.22	$2,688.79
33	19/04/2029	$53.78	$44.59	$9.19	$2,679.60
34	19/05/2029	$53.59	$44.44	$9.16	$2,670.45
35	19/06/2029	$53.41	$44.28	$9.12	$2,661.33
36	19/07/2029	$53.23	$44.13	$9.09	$2,652.23
37	19/08/2029	$53.04	$43.98	$9.06	$2,643.17
38	19/09/2029	$52.86	$43.83	$9.03	$2,634.14
39	19/10/2029	$52.68	$43.68	$9.00	$2,625.14
40	19/11/2029	$52.50	$43.53	$8.97	$2,616.17
41	19/12/2029	$52.32	$43.38	$8.94	$2,607.23
42	19/01/2030	$52.14	$43.24	$8.91	$2,598.32
43	19/02/2030	$51.97	$43.09	$8.88	$2,589.45
44	19/03/2030	$51.79	$42.94	$8.85	$2,580.60
45	19/04/2030	$51.61	$42.79	$8.82	$2,571.78
46	19/05/2030	$51.44	$42.65	$8.79	$2,563.00
47	19/06/2030	$51.26	$42.50	$8.76	$2,554.24
48	19/07/2030	$51.08	$42.36	$8.73	$2,545.51
49	19/08/2030	$50.91	$42.21	$8.70	$2,536.81
50	19/09/2030	$50.74	$42.07	$8.67	$2,528.15
51	19/10/2030	$50.56	$41.93	$8.64	$2,519.51
52	19/11/2030	$50.39	$41.78	$8.61	$2,510.90
53	19/12/2030	$50.22	$41.64	$8.58	$2,502.32
54	19/01/2031	$50.05	$41.50	$8.55	$2,493.77
55	19/02/2031	$49.88	$41.36	$8.52	$2,485.25
56	19/03/2031	$49.71	$41.21	$8.49	$2,476.76
57	19/04/2031	$49.54	$41.07	$8.46	$2,468.30
58	19/05/2031	$49.37	$40.93	$8.43	$2,459.86
59	19/06/2031	$49.20	$40.79	$8.40	$2,451.46
60	19/07/2031	$49.03	$40.65	$8.38	$2,443.08
61	19/08/2031	$48.86	$40.51	$8.35	$2,434.74
62	19/09/2031	$48.69	$40.38	$8.32	$2,426.42
63	19/10/2031	$48.53	$40.24	$8.29	$2,418.13
64	19/11/2031	$48.36	$40.10	$8.26	$2,409.87
65	19/12/2031	$48.20	$39.96	$8.23	$2,401.63
66	19/01/2032	$48.03	$39.83	$8.21	$2,393.43
67	19/02/2032	$47.87	$39.69	$8.18	$2,385.25
68	19/03/2032	$47.70	$39.56	$8.15	$2,377.10
69	19/04/2032	$47.54	$39.42	$8.12	$2,368.98
70	19/05/2032	$47.38	$39.29	$8.09	$2,360.88
71	19/06/2032	$47.22	$39.15	$8.07	$2,352.82
72	19/07/2032	$47.06	$39.02	$8.04	$2,344.78
73	19/08/2032	$46.90	$38.88	$8.01	$2,336.77
74	19/09/2032	$46.74	$38.75	$7.98	$2,328.78
75	19/10/2032	$46.58	$38.62	$7.96	$2,320.83
76	19/11/2032	$46.42	$38.49	$7.93	$2,312.90
77	19/12/2032	$46.26	$38.36	$7.90	$2,304.99
78	19/01/2033	$46.10	$38.22	$7.88	$2,297.12
79	19/02/2033	$45.94	$38.09	$7.85	$2,289.27
80	19/03/2033	$45.79	$37.96	$7.82	$2,281.45
81	19/04/2033	$45.63	$37.83	$7.79	$2,273.65
82	19/05/2033	$45.47	$37.70	$7.77	$2,265.89
83	19/06/2033	$45.32	$37.58	$7.74	$2,258.14
84	19/07/2033	$45.16	$37.45	$7.72	$2,250.43
85	19/08/2033	$45.01	$37.32	$7.69	$2,242.74
86	19/09/2033	$44.85	$37.19	$7.66	$2,235.08
87	19/10/2033	$44.70	$37.07	$7.64	$2,227.44
88	19/11/2033	$44.55	$36.94	$7.61	$2,219.83
89	19/12/2033	$44.40	$36.81	$7.58	$2,212.25
90	19/01/2034	$44.24	$36.69	$7.56	$2,204.69
91	19/02/2034	$44.09	$36.56	$7.53	$2,197.15
92	19/03/2034	$43.94	$36.44	$7.51	$2,189.65
93	19/04/2034	$43.79	$36.31	$7.48	$2,182.17
94	19/05/2034	$43.64	$36.19	$7.46	$2,174.71
95	19/06/2034	$43.49	$36.06	$7.43	$2,167.28
96	19/07/2034	$43.35	$35.94	$7.40	$2,159.88
97	19/08/2034	$43.20	$35.82	$7.38	$2,152.50
98	19/09/2034	$43.05	$35.70	$7.35	$2,145.14
99	19/10/2034	$42.90	$35.57	$7.33	$2,137.81
100	19/11/2034	$42.76	$35.45	$7.30	$2,130.51
101	19/12/2034	$42.61	$35.33	$7.28	$2,123.23
102	19/01/2035	$42.46	$35.21	$7.25	$2,115.97
103	19/02/2035	$42.32	$35.09	$7.23	$2,108.75
104	19/03/2035	$42.17	$34.97	$7.20	$2,101.54
105	19/04/2035	$42.03	$34.85	$7.18	$2,094.36
106	19/05/2035	$41.89	$34.73	$7.16	$2,087.20
107	19/06/2035	$41.74	$34.61	$7.13	$2,080.07
108	19/07/2035	$41.60	$34.49	$7.11	$2,072.97
109	19/08/2035	$41.46	$34.38	$7.08	$2,065.88
110	19/09/2035	$41.32	$34.26	$7.06	$2,058.83
111	19/10/2035	$41.18	$34.14	$7.03	$2,051.79
112	19/11/2035	$41.04	$34.03	$7.01	$2,044.78
113	19/12/2035	$40.90	$33.91	$6.99	$2,037.79
114	19/01/2036	$40.76	$33.79	$6.96	$2,030.83
115	19/02/2036	$40.62	$33.68	$6.94	$2,023.89
116	19/03/2036	$40.48	$33.56	$6.91	$2,016.98
117	19/04/2036	$40.34	$33.45	$6.89	$2,010.09
118	19/05/2036	$40.20	$33.33	$6.87	$2,003.22
119	19/06/2036	$40.06	$33.22	$6.84	$1,996.37
120	19/07/2036	$39.93	$33.11	$6.82	$1,989.55
121	19/08/2036	$39.79	$32.99	$6.80	$1,982.76
122	19/09/2036	$39.66	$32.88	$6.77	$1,975.98
123	19/10/2036	$39.52	$32.77	$6.75	$1,969.23
124	19/11/2036	$39.38	$32.66	$6.73	$1,962.50
125	19/12/2036	$39.25	$32.54	$6.71	$1,955.80
126	19/01/2037	$39.12	$32.43	$6.68	$1,949.11
127	19/02/2037	$38.98	$32.32	$6.66	$1,942.46
128	19/03/2037	$38.85	$32.21	$6.64	$1,935.82
129	19/04/2037	$38.72	$32.10	$6.61	$1,929.20
130	19/05/2037	$38.58	$31.99	$6.59	$1,922.61
131	19/06/2037	$38.45	$31.88	$6.57	$1,916.04
132	19/07/2037	$38.32	$31.77	$6.55	$1,909.50
133	19/08/2037	$38.19	$31.67	$6.52	$1,902.97
134	19/09/2037	$38.06	$31.56	$6.50	$1,896.47
135	19/10/2037	$37.93	$31.45	$6.48	$1,889.99
136	19/11/2037	$37.80	$31.34	$6.46	$1,883.53
137	19/12/2037	$37.67	$31.24	$6.44	$1,877.10
138	19/01/2038	$37.54	$31.13	$6.41	$1,870.69
139	19/02/2038	$37.41	$31.02	$6.39	$1,864.29
140	19/03/2038	$37.29	$30.92	$6.37	$1,857.92
141	19/04/2038	$37.16	$30.81	$6.35	$1,851.58
142	19/05/2038	$37.03	$30.71	$6.33	$1,845.25
143	19/06/2038	$36.91	$30.60	$6.30	$1,838.95
144	19/07/2038	$36.78	$30.50	$6.28	$1,832.66
145	19/08/2038	$36.65	$30.39	$6.26	$1,826.40
146	19/09/2038	$36.53	$30.29	$6.24	$1,820.16
147	19/10/2038	$36.40	$30.18	$6.22	$1,813.94
148	19/11/2038	$36.28	$30.08	$6.20	$1,807.74
149	19/12/2038	$36.15	$29.98	$6.18	$1,801.57
150	19/01/2039	$36.03	$29.88	$6.16	$1,795.41
151	19/02/2039	$35.91	$29.77	$6.13	$1,789.28
152	19/03/2039	$35.79	$29.67	$6.11	$1,783.16
153	19/04/2039	$35.66	$29.57	$6.09	$1,777.07
154	19/05/2039	$35.54	$29.47	$6.07	$1,771.00
155	19/06/2039	$35.42	$29.37	$6.05	$1,764.95
156	19/07/2039	$35.30	$29.27	$6.03	$1,758.92
157	19/08/2039	$35.18	$29.17	$6.01	$1,752.91
158	19/09/2039	$35.06	$29.07	$5.99	$1,746.92
159	19/10/2039	$34.94	$28.97	$5.97	$1,740.95
160	19/11/2039	$34.82	$28.87	$5.95	$1,735.00
161	19/12/2039	$34.70	$28.77	$5.93	$1,729.08
162	19/01/2040	$34.58	$28.67	$5.91	$1,723.17
163	19/02/2040	$34.46	$28.58	$5.89	$1,717.28
164	19/03/2040	$34.35	$28.48	$5.87	$1,711.41
165	19/04/2040	$34.23	$28.38	$5.85	$1,705.57
166	19/05/2040	$34.11	$28.28	$5.83	$1,699.74
167	19/06/2040	$33.99	$28.19	$5.81	$1,693.93
168	19/07/2040	$33.88	$28.09	$5.79	$1,688.14
169	19/08/2040	$33.76	$28.00	$5.77	$1,682.38
170	19/09/2040	$33.65	$27.90	$5.75	$1,676.63
171	19/10/2040	$33.53	$27.80	$5.73	$1,670.90
172	19/11/2040	$33.42	$27.71	$5.71	$1,665.19
173	19/12/2040	$33.30	$27.61	$5.69	$1,659.50
174	19/01/2041	$33.19	$27.52	$5.67	$1,653.83
175	19/02/2041	$33.08	$27.43	$5.65	$1,648.18
176	19/03/2041	$32.96	$27.33	$5.63	$1,642.55
177	19/04/2041	$32.85	$27.24	$5.61	$1,636.94
178	19/05/2041	$32.74	$27.15	$5.59	$1,631.34
179	19/06/2041	$32.63	$27.05	$5.57	$1,625.77
180	19/07/2041	$32.52	$26.96	$5.55	$1,620.22
181	19/08/2041	$32.40	$26.87	$5.54	$1,614.68
182	19/09/2041	$32.29	$26.78	$5.52	$1,609.16
183	19/10/2041	$32.18	$26.69	$5.50	$1,603.67
184	19/11/2041	$32.07	$26.59	$5.48	$1,598.19
185	19/12/2041	$31.96	$26.50	$5.46	$1,592.73
186	19/01/2042	$31.85	$26.41	$5.44	$1,587.28
187	19/02/2042	$31.75	$26.32	$5.42	$1,581.86
188	19/03/2042	$31.64	$26.23	$5.40	$1,576.46
189	19/04/2042	$31.53	$26.14	$5.39	$1,571.07
190	19/05/2042	$31.42	$26.05	$5.37	$1,565.70
191	19/06/2042	$31.31	$25.96	$5.35	$1,560.35
192	19/07/2042	$31.21	$25.88	$5.33	$1,555.02
193	19/08/2042	$31.10	$25.79	$5.31	$1,549.71
194	19/09/2042	$30.99	$25.70	$5.29	$1,544.41
195	19/10/2042	$30.89	$25.61	$5.28	$1,539.14
196	19/11/2042	$30.78	$25.52	$5.26	$1,533.88
197	19/12/2042	$30.68	$25.44	$5.24	$1,528.64
198	19/01/2043	$30.57	$25.35	$5.22	$1,523.41
199	19/02/2043	$30.47	$25.26	$5.20	$1,518.21
200	19/03/2043	$30.36	$25.18	$5.19	$1,513.02
201	19/04/2043	$30.26	$25.09	$5.17	$1,507.85
202	19/05/2043	$30.16	$25.01	$5.15	$1,502.70
203	19/06/2043	$30.05	$24.92	$5.13	$1,497.57
204	19/07/2043	$29.95	$24.83	$5.12	$1,492.45
205	19/08/2043	$29.85	$24.75	$5.10	$1,487.35
206	19/09/2043	$29.75	$24.67	$5.08	$1,482.27
207	19/10/2043	$29.65	$24.58	$5.06	$1,477.20
208	19/11/2043	$29.54	$24.50	$5.05	$1,472.16
209	19/12/2043	$29.44	$24.41	$5.03	$1,467.13
210	19/01/2044	$29.34	$24.33	$5.01	$1,462.11
211	19/02/2044	$29.24	$24.25	$5.00	$1,457.12
212	19/03/2044	$29.14	$24.16	$4.98	$1,452.14
213	19/04/2044	$29.04	$24.08	$4.96	$1,447.18
214	19/05/2044	$28.94	$24.00	$4.94	$1,442.23
215	19/06/2044	$28.84	$23.92	$4.93	$1,437.31
216	19/07/2044	$28.75	$23.84	$4.91	$1,432.40
217	19/08/2044	$28.65	$23.75	$4.89	$1,427.50
218	19/09/2044	$28.55	$23.67	$4.88	$1,422.62
219	19/10/2044	$28.45	$23.59	$4.86	$1,417.76
220	19/11/2044	$28.36	$23.51	$4.84	$1,412.92
221	19/12/2044	$28.26	$23.43	$4.83	$1,408.09
222	19/01/2045	$28.16	$23.35	$4.81	$1,403.28
223	19/02/2045	$28.07	$23.27	$4.79	$1,398.49
224	19/03/2045	$27.97	$23.19	$4.78	$1,393.71
225	19/04/2045	$27.87	$23.11	$4.76	$1,388.95
226	19/05/2045	$27.78	$23.03	$4.75	$1,384.20
227	19/06/2045	$27.68	$22.95	$4.73	$1,379.47
228	19/07/2045	$27.59	$22.88	$4.71	$1,374.76
229	19/08/2045	$27.50	$22.80	$4.70	$1,370.06
230	19/09/2045	$27.40	$22.72	$4.68	$1,365.38
231	19/10/2045	$27.31	$22.64	$4.67	$1,360.72
232	19/11/2045	$27.21	$22.57	$4.65	$1,356.07
233	19/12/2045	$27.12	$22.49	$4.63	$1,351.43
234	19/01/2046	$27.03	$22.41	$4.62	$1,346.82
235	19/02/2046	$26.94	$22.33	$4.60	$1,342.21
236	19/03/2046	$26.84	$22.26	$4.59	$1,337.63
237	19/04/2046	$26.75	$22.18	$4.57	$1,333.06
238	19/05/2046	$26.66	$22.11	$4.55	$1,328.50
239	19/06/2046	$26.57	$22.03	$4.54	$1,323.96
240	19/07/2046	$26.48	$21.96	$4.52	$1,319.44
241	19/08/2046	$26.39	$21.88	$4.51	$1,314.93
242	19/09/2046	$26.30	$21.81	$4.49	$1,310.44
243	19/10/2046	$26.21	$21.73	$4.48	$1,305.96
244	19/11/2046	$26.12	$21.66	$4.46	$1,301.50
245	19/12/2046	$26.03	$21.58	$4.45	$1,297.05
246	19/01/2047	$25.94	$21.51	$4.43	$1,292.62
247	19/02/2047	$25.85	$21.44	$4.42	$1,288.21
248	19/03/2047	$25.76	$21.36	$4.40	$1,283.80
249	19/04/2047	$25.68	$21.29	$4.39	$1,279.42
250	19/05/2047	$25.59	$21.22	$4.37	$1,275.05
251	19/06/2047	$25.50	$21.14	$4.36	$1,270.69
252	19/07/2047	$25.41	$21.07	$4.34	$1,266.35
253	19/08/2047	$25.33	$21.00	$4.33	$1,262.02
254	19/09/2047	$25.24	$20.93	$4.31	$1,257.71
255	19/10/2047	$25.15	$20.86	$4.30	$1,253.41
256	19/11/2047	$25.07	$20.79	$4.28	$1,249.13
257	19/12/2047	$24.98	$20.71	$4.27	$1,244.86
258	19/01/2048	$24.90	$20.64	$4.25	$1,240.61
259	19/02/2048	$24.81	$20.57	$4.24	$1,236.37
260	19/03/2048	$24.73	$20.50	$4.22	$1,232.15
261	19/04/2048	$24.64	$20.43	$4.21	$1,227.94
262	19/05/2048	$24.56	$20.36	$4.20	$1,223.74
263	19/06/2048	$24.47	$20.29	$4.18	$1,219.56
264	19/07/2048	$24.39	$20.22	$4.17	$1,215.39
265	19/08/2048	$24.31	$20.16	$4.15	$1,211.24
266	19/09/2048	$24.22	$20.09	$4.14	$1,207.10
267	19/10/2048	$24.14	$20.02	$4.12	$1,202.98
268	19/11/2048	$24.06	$19.95	$4.11	$1,198.87
269	19/12/2048	$23.98	$19.88	$4.10	$1,194.77
270	19/01/2049	$23.90	$19.81	$4.08	$1,190.69
271	19/02/2049	$23.81	$19.75	$4.07	$1,186.62
272	19/03/2049	$23.73	$19.68	$4.05	$1,182.57
273	19/04/2049	$23.65	$19.61	$4.04	$1,178.53
274	19/05/2049	$23.57	$19.54	$4.03	$1,174.50
275	19/06/2049	$23.49	$19.48	$4.01	$1,170.49
276	19/07/2049	$23.41	$19.41	$4.00	$1,166.49
277	19/08/2049	$23.33	$19.34	$3.99	$1,162.50
278	19/09/2049	$23.25	$19.28	$3.97	$1,158.53
279	19/10/2049	$23.17	$19.21	$3.96	$1,154.57
280	19/11/2049	$23.09	$19.15	$3.94	$1,150.63
281	19/12/2049	$23.01	$19.08	$3.93	$1,146.70
282	19/01/2050	$22.93	$19.02	$3.92	$1,142.78
283	19/02/2050	$22.86	$18.95	$3.90	$1,138.87
284	19/03/2050	$22.78	$18.89	$3.89	$1,134.98
285	19/04/2050	$22.70	$18.82	$3.88	$1,131.10
286	19/05/2050	$22.62	$18.76	$3.86	$1,127.24
287	19/06/2050	$22.54	$18.69	$3.85	$1,123.39
288	19/07/2050	$22.47	$18.63	$3.84	$1,119.55
289	19/08/2050	$22.39	$18.57	$3.83	$1,115.73
290	19/09/2050	$22.31	$18.50	$3.81	$1,111.91
291	19/10/2050	$22.24	$18.44	$3.80	$1,108.11
292	19/11/2050	$22.16	$18.38	$3.79	$1,104.33
293	19/12/2050	$22.09	$18.31	$3.77	$1,100.56
294	19/01/2051	$22.01	$18.25	$3.76	$1,096.80
295	19/02/2051	$21.94	$18.19	$3.75	$1,093.05
296	19/03/2051	$21.86	$18.13	$3.73	$1,089.31
297	19/04/2051	$21.79	$18.06	$3.72	$1,085.59
298	19/05/2051	$21.71	$18.00	$3.71	$1,081.88
299	19/06/2051	$21.64	$17.94	$3.70	$1,078.19
300	19/07/2051	$21.56	$17.88	$3.68	$1,074.50
301	19/08/2051	$21.49	$17.82	$3.67	$1,070.83
302	19/09/2051	$21.42	$17.76	$3.66	$1,067.17
303	19/10/2051	$21.34	$17.70	$3.65	$1,063.53
304	19/11/2051	$21.27	$17.64	$3.63	$1,059.89
305	19/12/2051	$21.20	$17.58	$3.62	$1,056.27
306	19/01/2052	$21.13	$17.52	$3.61	$1,052.66
307	19/02/2052	$21.05	$17.46	$3.60	$1,049.07
308	19/03/2052	$20.98	$17.40	$3.58	$1,045.48
309	19/04/2052	$20.91	$17.34	$3.57	$1,041.91
310	19/05/2052	$20.84	$17.28	$3.56	$1,038.35
311	19/06/2052	$20.77	$17.22	$3.55	$1,034.80
312	19/07/2052	$20.70	$17.16	$3.54	$1,031.27
313	19/08/2052	$20.63	$17.10	$3.52	$1,027.74
314	19/09/2052	$20.55	$17.04	$3.51	$1,024.23
315	19/10/2052	$20.48	$16.99	$3.50	$1,020.73
316	19/11/2052	$20.41	$16.93	$3.49	$1,017.24
317	19/12/2052	$20.34	$16.87	$3.48	$1,013.77
318	19/01/2053	$20.28	$16.81	$3.46	$1,010.30
319	19/02/2053	$20.21	$16.75	$3.45	$1,006.85
320	19/03/2053	$20.14	$16.70	$3.44	$1,003.41
321	19/04/2053	$20.07	$16.64	$3.43	$999.98
322	19/05/2053	$20.00	$16.58	$3.42	$996.57
323	19/06/2053	$20.00	$16.53	$3.47	$993.09
324	19/07/2053	$20.00	$16.47	$3.53	$989.56
325	19/08/2053	$20.00	$16.41	$3.59	$985.97
326	19/09/2053	$20.00	$16.35	$3.65	$982.32
327	19/10/2053	$20.00	$16.29	$3.71	$978.61
328	19/11/2053	$20.00	$16.23	$3.77	$974.84
329	19/12/2053	$20.00	$16.17	$3.83	$971.01
330	19/01/2054	$20.00	$16.10	$3.90	$967.11
331	19/02/2054	$20.00	$16.04	$3.96	$963.15
332	19/03/2054	$20.00	$15.97	$4.03	$959.12
333	19/04/2054	$20.00	$15.91	$4.09	$955.03
334	19/05/2054	$20.00	$15.84	$4.16	$950.86
335	19/06/2054	$20.00	$15.77	$4.23	$946.63
336	19/07/2054	$20.00	$15.70	$4.30	$942.33
337	19/08/2054	$20.00	$15.63	$4.37	$937.96
338	19/09/2054	$20.00	$15.55	$4.45	$933.51
339	19/10/2054	$20.00	$15.48	$4.52	$928.99
340	19/11/2054	$20.00	$15.41	$4.59	$924.40
341	19/12/2054	$20.00	$15.33	$4.67	$919.73
342	19/01/2055	$20.00	$15.25	$4.75	$914.98
343	19/02/2055	$20.00	$15.17	$4.83	$910.15
344	19/03/2055	$20.00	$15.09	$4.91	$905.25
345	19/04/2055	$20.00	$15.01	$4.99	$900.26
346	19/05/2055	$20.00	$14.93	$5.07	$895.19
347	19/06/2055	$20.00	$14.85	$5.15	$890.03
348	19/07/2055	$20.00	$14.76	$5.24	$884.79
349	19/08/2055	$20.00	$14.67	$5.33	$879.47
350	19/09/2055	$20.00	$14.58	$5.42	$874.05
351	19/10/2055	$20.00	$14.49	$5.51	$868.55
352	19/11/2055	$20.00	$14.40	$5.60	$862.95
353	19/12/2055	$20.00	$14.31	$5.69	$857.26
354	19/01/2056	$20.00	$14.22	$5.78	$851.48
355	19/02/2056	$20.00	$14.12	$5.88	$845.60
356	19/03/2056	$20.00	$14.02	$5.98	$839.62
357	19/04/2056	$20.00	$13.92	$6.08	$833.54
358	19/05/2056	$20.00	$13.82	$6.18	$827.37
359	19/06/2056	$20.00	$13.72	$6.28	$821.09
360	19/07/2056	$20.00	$13.62	$6.38	$814.70
361	19/08/2056	$20.00	$13.51	$6.49	$808.21
362	19/09/2056	$20.00	$13.40	$6.60	$801.62
363	19/10/2056	$20.00	$13.29	$6.71	$794.91
364	19/11/2056	$20.00	$13.18	$6.82	$788.09
365	19/12/2056	$20.00	$13.07	$6.93	$781.16
366	19/01/2057	$20.00	$12.95	$7.05	$774.12
367	19/02/2057	$20.00	$12.84	$7.16	$766.95
368	19/03/2057	$20.00	$12.72	$7.28	$759.67
369	19/04/2057	$20.00	$12.60	$7.40	$752.27
370	19/05/2057	$20.00	$12.48	$7.52	$744.74
371	19/06/2057	$20.00	$12.35	$7.65	$737.09
372	19/07/2057	$20.00	$12.22	$7.78	$729.32
373	19/08/2057	$20.00	$12.09	$7.91	$721.41
374	19/09/2057	$20.00	$11.96	$8.04	$713.38
375	19/10/2057	$20.00	$11.83	$8.17	$705.21
376	19/11/2057	$20.00	$11.69	$8.31	$696.90
377	19/12/2057	$20.00	$11.56	$8.44	$688.46
378	19/01/2058	$20.00	$11.42	$8.58	$679.87
379	19/02/2058	$20.00	$11.27	$8.73	$671.15
380	19/03/2058	$20.00	$11.13	$8.87	$662.28
381	19/04/2058	$20.00	$10.98	$9.02	$653.26
382	19/05/2058	$20.00	$10.83	$9.17	$644.10
383	19/06/2058	$20.00	$10.68	$9.32	$634.78
384	19/07/2058	$20.00	$10.53	$9.47	$625.30
385	19/08/2058	$20.00	$10.37	$9.63	$615.67
386	19/09/2058	$20.00	$10.21	$9.79	$605.88
387	19/10/2058	$20.00	$10.05	$9.95	$595.93
388	19/11/2058	$20.00	$9.88	$10.12	$585.81
389	19/12/2058	$20.00	$9.71	$10.29	$575.53
390	19/01/2059	$20.00	$9.54	$10.46	$565.07
391	19/02/2059	$20.00	$9.37	$10.63	$554.44
392	19/03/2059	$20.00	$9.19	$10.81	$543.64
393	19/04/2059	$20.00	$9.02	$10.98	$532.65
394	19/05/2059	$20.00	$8.83	$11.17	$521.49
395	19/06/2059	$20.00	$8.65	$11.35	$510.13
396	19/07/2059	$20.00	$8.46	$11.54	$498.59
397	19/08/2059	$20.00	$8.27	$11.73	$486.86
398	19/09/2059	$20.00	$8.07	$11.93	$474.94
399	19/10/2059	$20.00	$7.88	$12.12	$462.81
400	19/11/2059	$20.00	$7.67	$12.33	$450.49
401	19/12/2059	$20.00	$7.47	$12.53	$437.96
402	19/01/2060	$20.00	$7.26	$12.74	$425.22
403	19/02/2060	$20.00	$7.05	$12.95	$412.27
404	19/03/2060	$20.00	$6.84	$13.16	$399.11
405	19/04/2060	$20.00	$6.62	$13.38	$385.73
406	19/05/2060	$20.00	$6.40	$13.60	$372.12
407	19/06/2060	$20.00	$6.17	$13.83	$358.29
408	19/07/2060	$20.00	$5.94	$14.06	$344.24
409	19/08/2060	$20.00	$5.71	$14.29	$329.94
410	19/09/2060	$20.00	$5.47	$14.53	$315.42
411	19/10/2060	$20.00	$5.23	$14.77	$300.65
412	19/11/2060	$20.00	$4.99	$15.01	$285.63
413	19/12/2060	$20.00	$4.74	$15.26	$270.37
414	19/01/2061	$20.00	$4.48	$15.52	$254.85
415	19/02/2061	$20.00	$4.23	$15.77	$239.08
416	19/03/2061	$20.00	$3.96	$16.04	$223.04
417	19/04/2061	$20.00	$3.70	$16.30	$206.74
418	19/05/2061	$20.00	$3.43	$16.57	$190.17
419	19/06/2061	$20.00	$3.15	$16.85	$173.33
420	19/07/2061	$20.00	$2.87	$17.13	$156.20
421	19/08/2061	$20.00	$2.59	$17.41	$138.79
422	19/09/2061	$20.00	$2.30	$17.70	$121.09
423	19/10/2061	$20.00	$2.01	$17.99	$103.10
424	19/11/2061	$20.00	$1.71	$18.29	$84.81
425	19/12/2061	$20.00	$1.41	$18.59	$66.22
426	19/01/2062	$20.00	$1.10	$18.90	$47.31
427	19/02/2062	$20.00	$0.78	$19.22	$28.10
428	19/03/2062	$20.00	$0.47	$19.53	$8.56
429	19/04/2062	$8.71	$0.14	$8.56	$0.00

Paying $150.00 a month instead

Months to clear the balance cheapest 25

Total interest paid cheapest $675.39

Total paid $3,675.39

#	Date	Payment	Interest	Principal	Balance
1	19/08/2026	$150.00	$49.75	$100.25	$2,899.75
2	19/09/2026	$150.00	$48.09	$101.91	$2,797.84
3	19/10/2026	$150.00	$46.40	$103.60	$2,694.23
4	19/11/2026	$150.00	$44.68	$105.32	$2,588.91
5	19/12/2026	$150.00	$42.93	$107.07	$2,481.85
6	19/01/2027	$150.00	$41.16	$108.84	$2,373.00
7	19/02/2027	$150.00	$39.35	$110.65	$2,262.36
8	19/03/2027	$150.00	$37.52	$112.48	$2,149.87
9	19/04/2027	$150.00	$35.65	$114.35	$2,035.53
10	19/05/2027	$150.00	$33.76	$116.24	$1,919.28
11	19/06/2027	$150.00	$31.83	$118.17	$1,801.11
12	19/07/2027	$150.00	$29.87	$120.13	$1,680.98
13	19/08/2027	$150.00	$27.88	$122.12	$1,558.85
14	19/09/2027	$150.00	$25.85	$124.15	$1,434.71
15	19/10/2027	$150.00	$23.79	$126.21	$1,308.50
16	19/11/2027	$150.00	$21.70	$128.30	$1,180.20
17	19/12/2027	$150.00	$19.57	$130.43	$1,049.77
18	19/01/2028	$150.00	$17.41	$132.59	$917.18
19	19/02/2028	$150.00	$15.21	$134.79	$782.39
20	19/03/2028	$150.00	$12.97	$137.03	$645.36
21	19/04/2028	$150.00	$10.70	$139.30	$506.06
22	19/05/2028	$150.00	$8.39	$141.61	$364.46
23	19/06/2028	$150.00	$6.04	$143.96	$220.50
24	19/07/2028	$150.00	$3.66	$146.34	$74.16
25	19/08/2028	$75.39	$1.23	$74.16	$0.00

Paying $150.00 a month instead of the minimum saves $10,180.73 in interest and clears the balance 404 months sooner.

Assumes no new purchases are added to the balance and every minimum repayment is made on time. Estimates only, not financial advice.

The balance and the transfer offer

Compared at the same monthly repayment on both cards

Balance to transfer ($)

$5,000.00

What you plan to pay each month ($)

$250.00

Used on both the new card and the current card, for a like-for-like comparison.

Current card's ongoing rate (% p.a.)

What you'd keep paying if you stayed put. Pre-filled with an example rate — last verified 14/07/2026.

Balance transfer fee (% of balance)

Promo length (months)

Promo rate (% p.a., usually 0)

Revert rate after the promo ends (% p.a.)

What kicks in on any balance left once the promo period ends — the "revert-rate trap". Pre-filled with an example rate — last verified 14/07/2026.

Transfer to the new card

Balance transfer fee $100.00

Cleared within the promo? Yes

Months to clear the balance 21

Total interest paid $0.00

Total cost (fee + interest) cheapest $100.00

#	Date	Payment	Interest	Principal	Balance
1	19/08/2026	$250.00	$0.00	$250.00	$4,850.00
2	19/09/2026	$250.00	$0.00	$250.00	$4,600.00
3	19/10/2026	$250.00	$0.00	$250.00	$4,350.00
4	19/11/2026	$250.00	$0.00	$250.00	$4,100.00
5	19/12/2026	$250.00	$0.00	$250.00	$3,850.00
6	19/01/2027	$250.00	$0.00	$250.00	$3,600.00
7	19/02/2027	$250.00	$0.00	$250.00	$3,350.00
8	19/03/2027	$250.00	$0.00	$250.00	$3,100.00
9	19/04/2027	$250.00	$0.00	$250.00	$2,850.00
10	19/05/2027	$250.00	$0.00	$250.00	$2,600.00
11	19/06/2027	$250.00	$0.00	$250.00	$2,350.00
12	19/07/2027	$250.00	$0.00	$250.00	$2,100.00
13	19/08/2027	$250.00	$0.00	$250.00	$1,850.00
14	19/09/2027	$250.00	$0.00	$250.00	$1,600.00
15	19/10/2027	$250.00	$0.00	$250.00	$1,350.00
16	19/11/2027	$250.00	$0.00	$250.00	$1,100.00
17	19/12/2027	$250.00	$0.00	$250.00	$850.00
18	19/01/2028	$250.00	$0.00	$250.00	$600.00
19	19/02/2028	$250.00	$0.00	$250.00	$350.00
20	19/03/2028	$250.00	$0.00	$250.00	$100.00
21	19/04/2028	$100.00	$0.00	$100.00	$0.00

Stay on the current card

Months to clear the balance 25

Total interest paid $1,125.64

Total cost (interest, no transfer fee) priciest $1,125.64

#	Date	Payment	Interest	Principal	Balance
1	19/08/2026	$250.00	$82.92	$167.08	$4,832.92
2	19/09/2026	$250.00	$80.15	$169.85	$4,663.06
3	19/10/2026	$250.00	$77.33	$172.67	$4,490.39
4	19/11/2026	$250.00	$74.47	$175.53	$4,314.86
5	19/12/2026	$250.00	$71.55	$178.45	$4,136.41
6	19/01/2027	$250.00	$68.60	$181.40	$3,955.01
7	19/02/2027	$250.00	$65.59	$184.41	$3,770.59
8	19/03/2027	$250.00	$62.53	$187.47	$3,583.12
9	19/04/2027	$250.00	$59.42	$190.58	$3,392.54
10	19/05/2027	$250.00	$56.26	$193.74	$3,198.80
11	19/06/2027	$250.00	$53.05	$196.95	$3,001.85
12	19/07/2027	$250.00	$49.78	$200.22	$2,801.63
13	19/08/2027	$250.00	$46.46	$203.54	$2,598.09
14	19/09/2027	$250.00	$43.09	$206.91	$2,391.18
15	19/10/2027	$250.00	$39.65	$210.35	$2,180.83
16	19/11/2027	$250.00	$36.17	$213.83	$1,967.00
17	19/12/2027	$250.00	$32.62	$217.38	$1,749.61
18	19/01/2028	$250.00	$29.01	$220.99	$1,528.63
19	19/02/2028	$250.00	$25.35	$224.65	$1,303.98
20	19/03/2028	$250.00	$21.62	$228.38	$1,075.60
21	19/04/2028	$250.00	$17.84	$232.16	$843.44
22	19/05/2028	$250.00	$13.99	$236.01	$607.43
23	19/06/2028	$250.00	$10.07	$239.93	$367.50
24	19/07/2028	$250.00	$6.09	$243.91	$123.60
25	19/08/2028	$125.64	$2.05	$123.60	$0.00

Transferring costs $1,025.64 less than staying on the current card, over each option's own full payoff.

Each option is run to a $0 balance at the same monthly repayment, so a comparison stays fair even when the two take a different number of months to clear — this "total cost to pay it off completely" is what's compared, not a snapshot at a fixed date. Assumes no new purchases and no missed payments. Estimates only, not financial advice.

The card's fee and your spend

Many rewards cards discount or waive the annual fee for a sign-up period, then revert to the normal fee — enter both so year 1 and later years are compared fairly.

Normal annual card fee ($, after any promo)

$169.00

Your typical spend on this card ($ / month)

$2,000.00

Discounted annual fee during the promo ($)

$0.00

Promotion period (months)

Default: 12 months (1 year) at the discounted fee, then the normal fee applies.

Point accumulation

How many points you actually earn — most cards give a boosted rate for a few months when you first sign up, plus a once-off bonus for hitting a spend target.

Points earned per $1 spent

Default: 1 point per $1 spent — check your card for its actual rate.

Promo period point boost (points per $1)

e.g. 2 or 2.8 points per $1 during the sign-up window.

Promotion period length (months)

Typically 3–6 months. Capped at 12 for this yearly comparison.

Once-off bonus points

10,000 pts

Enter the actual points figure your issuer offers (e.g. "10,000 points after $2,000 spent in month one, another 20,000 after $5,000 spent over 3 months" — add them together and enter the total here). Only applies once, in year 1.

Point value

What your points are actually worth when redeemed — there's no fixed points-to-dollars rate in Australia, so enter your card's own redemption ratio.

How many points

2,000 pts

Equal how much money ($)

$10.00

Default is 2,000 points = $10, roughly the Flybuys / Everyday Rewards redemption rate. Frequent-flyer programs vary far more — Qantas and Velocity points can redeem anywhere from around 1,000 points = $2 up to 1,000 points = $80+ depending on what you redeem for, so check your own program.

Results

Shown for year 1 (promo boost + bonus included) and for a typical later year (base rate only) — sign-up offers only apply once, so blending them into one "annual value" would overstate every year after the first.

Year 1

Points earned (incl. promo boost + bonus) 40,000 pts

Rewards value $200.00

Annual fee $0.00

Net result, after the fee net benefit $200.00

Ongoing year (year 2 onward)

Points earned (base rate only) 24,000 pts

Rewards value $120.00

Annual fee $169.00

Net result, after the fee net cost $49.00

Estimated result: year 1 is worth it thanks to the sign-up offer, but from year 2 the rewards alone don't cover the fee — you'd be behind by $49.00 a year once the offer ends.

This only weighs the annual fee against reward value at your own spend — it doesn't include any interest you might pay if you carry a balance (see the "Carry a balance" tab for that). Estimates only, not financial advice.

Interest rates, fees, and minimum-repayment formulas vary by card and change over time — always check your own card's current terms rather than relying on the example values above.