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Credit Card Debt Cost Calculator

Get an instant, personalized cost estimate for your credit card debt needs. Adjust the inputs below to see real-time results.

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✓ Free to Use✓ No Sign-up Required✓ Expert Reviewed✓ Updated 2026

Credit Card Debt Loan Calculator

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Results

Monthly Payment —
Total Interest Paid —
Total Cost of Loan —
Total Interest Payable—
Loan Fees (est.)—
Total Payments—
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Download Your Results

Get a PDF summary of your calculation emailed to you.

Assumptions
  • Fixed interest rate for the full loan term
  • No additional fees or closing costs included
  • Monthly compounding frequency
  • Payments begin one month after loan origination
Methodology

Calculator uses standard amortization formula with 2026 market rates. Actual payments may vary based on credit score, fees, and lender terms. Consult a financial professional for personalized advice.

Amortization Schedule

Annual Balances

Month Initial Balance Interest Payment Principal Payment Ending Balance

Credit Card Debt Cost Breakdown

Basic Package

Low
$500
Average
$1,200
High
$2,000

Standard Package

Low
$1,500
Average
$3,000
High
$5,000

Premium Package

Low
$3,000
Average
$6,000
High
$12,000
How to Use This Calculator

How to Use This Calculator

About Our Calculator

Our credit card debt cost calculator uses current market data and industry benchmarks to provide accurate estimates. While actual costs may vary, this tool gives you a solid starting point for budgeting.

What Affects Credit Card Debt Costs?

Several factors influence your total cost:

  • Scope — Larger projects naturally cost more
  • Quality — Premium options come at a premium price
  • Location — Costs vary significantly by region
  • Timing — Seasonal demand affects pricing
  • Provider — Prices vary 20-40% between providers

Next Steps

After getting your estimate:

  1. Compare top providers in our directory
  2. Read reviews from verified customers
  3. Contact us for personalized recommendations

Frequently Asked Questions

How accurate is this calculator?
Our calculator uses current market data and is typically accurate within 10-15% of actual costs. For a precise quote, we recommend contacting providers directly.
What if my estimate seems too high?
Check our [money-saving guide](/guides/save-money) for strategies to reduce costs. Getting multiple quotes is the best way to ensure competitive pricing.
Can I save my calculation?
You can download your amortization schedule as Excel or CSV using the buttons below the table. You can also bookmark this page with your current inputs.

Get a Free Personalized Quote

Want an exact price? Fill out the form and we'll connect you with top-rated credit card debt providers in your area.

Your information is secure and never shared with third parties.