Free · No signup · Private
Credit Card Payoff Calculator Singapore
Free credit card payoff calculator for Singapore: months to clear your balance at around 27% a year, total interest, the payment needed to clear it by a date, and the cost of paying only the minimum.
Your card
Debt-free in
3 yrs 2 mo
| Monthly payment | S$200 |
| Total interest | S$2,230 |
| Total paid | S$7,230 |
| Paying only the minimum (~S$150) | 5 yrs 3 mo, S$4,160 interest |
Interest is charged monthly at the yearly rate ÷ 12, with no new spending or fees. Real cards may charge interest daily and a late fee if you miss the minimum. Not legal, tax or financial advice. 🔒 Everything stays on your device.
📚 Official sources: MoneySense · Credit Counselling Singapore
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Related tools
Questions people ask
What is the credit card interest rate in Singapore?+
Most cards charge around 26% to 28% a year on unpaid balances, plus a late fee if you miss the minimum payment.
What is the minimum payment?+
Usually 3% of the balance or S$50, whichever is higher. Paying only that can take years.
Where can I get free help with card debt?+
Credit Counselling Singapore offers free advice and debt management plans.