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Credit card payoff comparison Calculator

Compare minimum-only and fixed credit-card payments. This free credit card payoff comparison calculator shows the calculation and its assumptions so you can compare your own figures.

Calculated on your device

Your results

Fixed Payment Months25

Compare minimum-only and fixed credit-card payments.

Interest Saved€2,323.21

Calculated outcomes

Minimum Only Months
141
Minimum Only Interest
€3,003.03
Fixed Payment Interest
€679.82
Months Saved
116

Assumptions and estimates

  • Minimum = greater of a fixed euro floor or entered % of balance after monthly interest. Card providers may use a different formula. No purchases, fees or promotional periods.
  • Method: Minimum is the higher of the entered euro floor and balance percentage after interest.
  • Card-specific minimum formulas can differ. No purchases, fees or promotional-rate changes.

Useful next steps

  1. Use Compare options to test an alternative side by side.
  2. Copy, print or download a record of this calculation when you need one.

Reports open your email app addressed to s@s1.ie with the public page address only. Your inputs are never added.

How the credit card payoff comparison calculation works

Minimum is the higher of the entered euro floor and balance percentage after interest.

Card-specific minimum formulas can differ. No purchases, fees or promotional-rate changes.

Using this calculator

  1. Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
  2. Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
  3. Review fixed payment months and interest saved, then read the stated assumptions and eligibility conditions before using the result.

Worked example

This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.

See example inputs
Card balance (€)
3000
Annual interest rate (%)
20
Minimum balance share (%)
3
Minimum payment floor (€)
25
Alternative fixed payment (€)
150
Fixed Payment Months
25
Interest Saved
€2,323.21

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