Credit Card Repayment Calculator, Calculate Interest

Introducing the Credit Card Finder credit card calculator perfect for calculating your interest repayments and when you will repay your debt. Balance transfer credit cards are worth considering to help you repay your credit card debt faster.

How to use the calculator

Step 1
Enter your credit cards and loans into the table at the top. Start by entering the name of the card, then the balance, the interest rate you are paying and the current minimum payment you need to make.

Step 2
Enter the monthly amount of money you can afford to pay your debt off with into the “Minimum payment” box. This is the amount of money you are going to use each month to pay off your credit cards. Select whether you want to pay off the highest balance first (I.e. the Debt Snowball method) or the lowest balance first.

Step 3
You can now see your monthly payment schedule by clicking in the tab at the top.

Step 4

You can now export your monthly payment schedule by clicking at the bottom of the calculator.

Featured Low Interest Balance Transfer Credit Card

You won’t have to calculate how much you will save with the HSBC Credit Card as you save right from the very start. You will save with a $0 annual fee for the life of the card plus 0$ p.a on balance transfers for the first 6 months.

• $0 annual fee
• 16.99% p.a. on purchases
• 0% p.a. for 6 months on balance transfers
• Cash Advance Rate of 20.75%
• Enjoy instant discounts on shopping, accommodation, travel, entertainment and more with HSBC’s home&Away Privilege Program.

Click here to read the HSBC Credit Card terms and conditions

Top 6 Balance Transfer Credit Cards

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
ANZ Low Rate MasterCard	Low interest no frills credit card offering great value with a low purchase rate, balance transfer offer and annual fee.	13.24%	21.49%	0% for 6 months	$58	55
Citibank Clear Platinum Visa Card	Low interest rate on purchases and a great balance transfer offer	11.49%	21.24%	0% for 7 months	$99	55
ANZ Balance Visa	A unique rewards credit card that actually rewards you for repaying your credit card balance.	14.24%	21.49%	0% for 6 months	$79	55
Suncorp Clear Options Standard Visa Card	There has never been a clearer choice for a low interest rate card with a low ongoing rate on purchases, low annual fees and generous credit limits	12.24%	17.99%	1.9% for 12 months	$39	0
St George Vertigo	Low interest rate and balance transfer rate, from one of Australia’s most respected banks.	12.49%	21.24%	2.99% for 6 months	$55	55
Suncorp Clear Options Platinum	Get in control of your finances with a super low rate on balance transfers for life plus enjoy a complimentary Personalised Rewards Program.	19.99%	19.99%	3.9% for life	$205	55
Bankwest Lite MasterCard	Low interest rate on purchases with interest free days.	10.75%	21.74%	1.99% for 9 months	$59	55
Coles Group Source MasterCard	The Cole Group Source MasterCard is a unique credit card offer with no annual fee for life, 62 interest free days and a rewards program offering savings on fuel and FlyBuys	20.24%	21.99%	0% for 6 months	$0	62
Westpac Low Rate Card	A very popular card choice with a low interest rate and a balance transfer offer for a limited time only	13.24%	21.24%	1.99% for 9 months	$45	55
Aussie MasterCard	The Aussie MasterCard can save you from your high interest credit card with a low interest rate on purchases and balance transfers	2.99% for 6 months (reverts to 12.99%)	19.79%	2.99% for 6 months	$49	55

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Help your customers repay their credit card today by installing this free credit card calculator on your website.

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Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
ANZ Low Rate MasterCard	Editor’s Choice: Balance Transfer A very popular card choice with a low rate, annual fee and attractive 0% balance transfer offer.	12.49%	20.74%	0% p.a. for 6 months	$58.00	55
ANZ Balance Visa Credit Card	One of the better reward program credit cards in Australia. You gain reward points for every dollar you pay off your balance. Also a modest annual fee and low purchase rate.	14.24%	21.49%	0% p.a. for 6 months	$79	55
Bankwest Lite Platinum MasterCard	Offers all the premium benefits that a platinum card should ontop of super low purchase and balance transfer rates	10.75%	21.74%	1.99% for 9 months	$120	55
Bankwest Lite Gold MasterCard	Complimentary international travel insurance, extended warranty, purchase security and price guarantee	10.75%	21.74%	1.99% for 9 months	$89	55
St George Vertigo	Editor’s Choice: Low Interest 2.99% p.a. for 6 months and 12.49%, from one of Australia’s most respected banks.	12.49%	21.24%	2.99% p.a. for 6 months	$55	55
Citibank Platinum Visa Card	Editor’s Choice: Platinum Card A platinum credit card with a competitive low interest rate, 0% balance transfer offer, discounts and free travel insurance.	20.74%	21.24%	3.9% p.a. for life	$125 (First Year, Save $125)	55
Citibank Silver Card	Features a free rewards program along with no point expiry.	20.74%	21.24%	2.9% p.a. for 12 months	$89	55
Citibank BP MasterCard	5% off petrol at BP. 0.5% cashback for every other purchase made on the card.	20.89%	20.89%	1.9% p.a. for 12 months	$79	55
Commonwealth Bank Awards Card	Earn up to 50,000 points per year. Online security guarantee. Cash back and Frequent Flyer Awards system, including Bonus Partner Reward Offers.	20.49%	21.49%	5.99% p.a. for 5 months	$89.00	55