Your debt-free date
Paying the minimum can make a card balance last a long time. Compare that with paying the same amount each month, and see the dates and interest costs.
Free help with debt
If the payments feel too much, you can talk it through with someone. These services are free and confidential.
- StepChange Debt Charity
You can get free debt advice online or by phone. Call free on 0800 138 1111
- National Debtline
Speak to a debt adviser for free, or use their online help. Call free on 0808 808 4000
- Citizens Advice
Find free help with your debts online. You can also speak to someone by phone or in person.
- MoneyHelper
Find clear help with money, free of charge and backed by the government.
- Christians Against Poverty
You can get free help with your debts, whatever your faith or beliefs.
Start with your card balance
Your estimated dates
How we work it out
- We assume you spend no more on the card. Your rate stays the same, with no fees or charges added.
- We turn your APR into a monthly rate and add interest each month. At 24.9% APR, that is about 1.87% a month.
- As you pay off the balance, the minimum payment gets smaller. That can stretch out the time it takes to pay off the card.
- We count from next month to estimate the dates. The figures on your card statement may be a little different.
- Your browser does the sums on this page. Nothing you type is saved or sent to anyone.
If you cannot afford the minimum, or you use a card to pay another card, speak to a free debt service above. They can speak to your card firms for you.
Where the facts come from
- FCA, CP17/10 Credit card market study: consultation on persistent debt and earlier intervention remedies (April 2017)Page 16, note 7. Describes the rule used here. The minimum is at least 1% of the balance plus interest and charges, or £5 if that is more.
- FCA, Credit card market study: final findings report MS14/6.3 (July 2016)Paragraph 7.38, note 57. Says the usual minimum is 1% of the balance plus interest and charges.
- StepChange Debt Charity, National Debtline, Citizens Advice, MoneyHelper and Christians Against PovertyPhone numbers and other contact details come from each service's own website.
Sources checked on 11 November 2026.
About this calculator. Dot Dot Loans made this calculator for you to use free of charge. The results are information, not advice. You can share it or link to it.
You can also see what higher rates could mean for your debts with our interest rate rise calculator.