Updated June 10, 2025
Paying off your credit card can feel like an endless loop, especially when interest keeps adding up and minimum payments barely make a dent. At ROSHI, we simplify the process with our intuitive Credit Card Repayment Calculator. Whether you're dealing with one card or multiple, our tool helps you understand exactly how long it will take to pay off your debt based on your balance, interest rate, and monthly payments.
The calculator is designed for everyday users. Just input your current balance, annual percentage rate (APR), and how much you plan to pay each month. In seconds, you'll get a clear breakdown of how long repayment will take and how much interest you’ll end up paying. You can even experiment with different payment amounts to see how increasing your monthly payments can shorten your debt timeline.
Credit card repayments can be confusing, especially when you're only making minimum payments. Understanding how it works is key to avoiding long-term debt. When you use a credit card, you borrow money from the bank. If you don’t pay off the full balance by the due date, you’re charged interest on the remaining amount. The longer you carry a balance, the more interest you pay—sometimes even more than the original purchase!
Most credit card companies set a minimum monthly payment, often just 2–3% of your balance. While this seems manageable, it can drag repayment out for years. That’s why it’s important to know how your payments are applied and what it takes to become debt-free.
Looking for a smarter way to manage your credit card payments? The ROSHI Credit Card Repayment Calculator is your new best friend. Unlike generic budgeting apps, our tool is laser-focused on helping you understand, plan, and accelerate your debt payoff strategy. Whether you're aiming to reduce interest, improve your credit score, or just stay organized, this calculator makes it easy.
Our interface is clean, mobile-friendly, and packed with insights. Input your balance, interest rate, and payment amount to get a personalized repayment schedule in seconds. Want to pay off your card in 12 months? The calculator will tell you exactly how much you need to pay each month. Want to see how much interest you’re saving by adding an extra $50? We’ll show you that to.
Do you know exactly how much you need to pay each month to be debt-free by your goal date? Most people don’t. That’s where ROSHI’s Credit Card Repayment Calculator comes in. This tool takes the guesswork out of your finances and shows you your ideal monthly repayment amount instantly.
By entering a few simple details—your current balance, interest rate, and desired payoff timeline—you can calculate the exact monthly payment needed to reach your goal. No complex math, no spreadsheets—just answers you can act on immediately.
| Lender | Annual Interest Rate | Effective Interest Rate | Processing Fee | Monthly Payment |
|---|---|---|---|---|
| GXS | 0.00% | 4.13% | 1.35% of approved loan | S$417 |
| DBS | 1.99% | 4.43% | $100 | S$433 |
| POSB | 1.99% | 4.43% | $100 | S$433 |
| OCBC Bank | 2.66% | 5.44% | 1.0% of approved loan | S$439 |
| Trust Bank | 2.79% | 5.27% | $0 | S$440 |
| CIMB Bank | 2.80% | 5.28% | $0 | S$440 |
| Standard Chartered | 2.88% | 5.43% | $0 | S$441 |
| HSBC | 2.92% | 5.50% | $0 | S$441 |
| Maybank | 3.28% | 6.20% | $200 | S$444 |
| Citibank | 3.45% | 6.50% | $0 | S$445 |
| OCBC Bank | 5.43% | 11.47% | $200 | S$462 |
Credit card debt can quietly build up over time, making it hard to know when—or if—you’ll ever be debt-free. ROSHI’s Credit Card Repayment Calculator is designed to change that. With just a few simple inputs, you can instantly see how long it will take to pay off your balance based on your monthly payment amount and interest rate.
Whether you’re paying the minimum or planning an aggressive payoff strategy, our calculator helps you visualize the full repayment timeline and total interest paid. It’s an essential tool for anyone looking to take control of their credit card debt, plan smarter, and reduce financial stress.
ROSHI’s Credit Card Repayment Calculator helps you break down and understand your credit card debt in just a few steps. Here’s how it works:
1. Input the key details:
2. Hit “Calculate Your Repayments” to see:
With this tool, you can quickly compare different payment plans and see how even small changes can save you time and money. It’s perfect for making informed, confident decisions about managing your credit card debt.
Need help making the most of our Credit Card Repayment Calculator?
These quick tips will help you get accurate results, explore smarter repayment strategies, and stay on track with your financial goals:
It’s a tool that helps you estimate how long it will take to pay off your credit card balance based on your interest rate, current debt, and monthly payments.
Yes! ROSHI’s Credit Card Repayment Calculator is completely free and available online for anyone to use.
You’ll need your current balance, interest rate (APR), expected monthly payment, and any relevant fees like annual or late payment charges.
The calculator is designed for one card at a time, but you can repeat the process for each card you own to get individual repayment estimates.
No, using the calculator is purely for planning purposes and does not impact your credit report or score in any way.
Mastering your loan moves starts with understanding the real cost of borrowing. We believe in empowering you with the right knowledge to make smart financial choices, not quick fixes that lead to debt traps. Our commitment is helping you borrow wisely and stay in control of your money.
Read Our Borrowing Guide
.Don't be a fool! #roshi #singapore #lending #borrowing
Trust the original! #roshi #singapore #lending #borrowing
.Don't be a fool! #roshi #singapore #lending #borrowing
Trust the original! #roshi #singapore #lending #borrowing
.Don't be a fool! #roshi #singapore #lending #borrowing
