Credit card payoff

Outstanding principal

Finance charge per month

Minimum-due review formula

Minimum-due floor

Fixed monthly payment (0 omits)

EMI conversion annual rate

EMI tenure

EMI upfront processing fee

Hypothetical charge tax (not a notified rate)

Statement timing

Interest-free grace

Hypothetical charge tax confirmed

New purchases or extra charges

Credit card payoff reviewIssuer and tax review required

Illustrative payoff paths, not issuer terms or an approved result. The tax rate is a hypothetical placeholder, not a notified rate.

Correct the highlighted inputs and confirm all three modelling assumptions to see the hypothetical comparison.

Manual illustration only. Synthetic equal-month cycles assume no new spending and grace already lost. Actual issuer dates, minimum due, finance charges, GST and payment allocation depend on your card statement and MITC. Check your dated statement before a payment decision.