Credit Card Payoff Calculator
Country-specific credit card payoff calculators — real cards, real APRs, real local rules. Select your country to start.
The only Irish payoff calculator that includes the €30 annual Government Stamp Duty in every calculation. Pre-loaded with real APRs from AIB, Bank of Ireland, An Post, Revolut, PTSB, and Avant Money.
- AIB, BOI, Revolut & An Post cards
- €30 Government Stamp Duty auto-applied
- CCR & MABS guidance
- Mortgage impact advice
Pre-loaded with Australian cards from the Big Four banks. Uses Australian minimum payment rules (2% or $20, whichever is greater). Includes guidance on AFCA and the National Debt Helpline.
- Commonwealth, ANZ, Westpac, NAB cards
- Australian minimum payment rules
- BNPL vs credit card comparison
- National Debt Helpline guidance
Covers New Zealand credit cards from ANZ NZ, BNZ, ASB, and Kiwibank. Uses NZ-specific minimum payment calculations and references the MoneyTalks helpline for debt support.
- ANZ, BNZ, ASB, Kiwibank cards
- NZ minimum payment rules
- MoneyTalks helpline integration
- CCCFA compliance guidance
Covers South African cards from FNB, Standard Bank, Absa, and Capitec. Models Prime + margin APR structures under the National Credit Act. References the NCR and DebtBusters for debt relief options.
- FNB, Standard Bank, Absa, Capitec cards
- National Credit Act (NCA) rules
- Prime rate APR modelling
- NCR & DebtBusters guidance
UK version coming soon. Will cover Barclaycard Forward, Halifax Clarity, HSBC Classic and Lloyds Platinum with 0% balance transfer period modelling and StepChange debt charity referral.
- Barclaycard, Halifax, HSBC, Lloyds
- 0% balance transfer modelling
- StepChange referral
- FCA regulated rates
US version coming soon. Will feature major US card issuers, state-level context, CFPB guidance, and credit score impact modelling as a companion to the main debt payoff calculation.
- Chase, Citi, Amex, Capital One cards
- State-by-state minimum wage context
- CFPB guidance links
- Credit score impact modelling
Why Does Your Country Matter for Payoff Calculations?
Credit card rules vary enormously between countries. Minimum payment formulas differ, government charges differ (Ireland's €30 stamp duty has no equivalent in Australia), and the cards themselves carry very different interest rates. Using a generic US-built calculator when you hold an Irish or South African card gives you fundamentally wrong numbers.
Our country-specific calculators use the actual minimum payment rules, local APR ranges, local fee structures, and local debt support resources for each market. Every calculation runs entirely in your browser — no data ever leaves your device.
For more on the true cost of credit card debt — including interest, annual fees, and hidden charges — see our credit card true cost calculator.