Calculateur
Calculateur de remboursement de carte de crédit
Estimez la durée du remboursement et les intérêts, puis comparez un paiement plus élevé ou un taux plus faible.
Debt-free in
2 ans 1 mois
That’s December 2028, if you add no new debt beyond what you entered.
- Total des intérêts
- 1 207 $
- Total payé
- 6 207 $
- Intérêts de ce mois
- 87,46 $
- Minimum-only interest
- 6 697 $
Your $250/monthPaiements minimaux
Paying $250 instead of the minimum saves 5 490 $ in interest and 20 yrs 1 mo of payments.
Comparer les plans de remboursement
| Forfait | Paiement mensuel | Durée de remboursement | Total des intérêts |
|---|---|---|---|
| Minimum payments only | 150,00 $ (falls as the balance drops) | 22 ans 2 mois | 6 697 $ |
| Votre versement | 250,00 $ | 2 ans 1 mois | 1 207 $ |
| Debt-free in 12 months | 465,55 $ | 1 an | 587 $ |
| Debt-free in 24 months | 256,91 $ | 2 ans | 1 166 $ |
| Debt-free in 36 months | 188,35 $ | 3 ans 1 mois | 1 781 $ |
Minimum payments are modelled as 3% of the balance (at least $10), recalculated monthly. Your issuer’s formula may differ.
Économies avec un taux plus faible
Same balance and $250 payment, moved to a low-interest card. Savings subtract the first-year annual fee.
- Desjardins Flexi VisaDesjardinsSave $66410.9% APR · No fee
- MBNA True Line Gold MastercardMBNASave $62010.99% APR · $39 fee
- TD Low Rate VisaTDSave $52212.9% APR · $25 fee
- MBNA True Line MastercardMBNASave $54212.99% APR · No fee
Questions fréquentes
How is credit card interest calculated in Canada?
Issuers charge interest daily on your balance at the card’s annual rate ÷ 365, and add it monthly. This calculator uses the close monthly equivalent: balance × APR ÷ 12. Paying your full statement balance by the due date avoids interest on purchases entirely.
How long does it take to pay off $5,000 at 20.99%?
Paying $250 a month, about 2 yrs 1 mo and $1,207 in interest. Paying only a 3% minimum stretches it to 22 yrs 2 mo and $6,697 in interest.
What is the minimum payment on a Canadian credit card?
It varies by issuer, typically a small percentage of the balance (often 2–3%) or a flat $10, plus interest and fees. Because it shrinks as the balance falls, paying only the minimum can take many years.
Should I switch to a low-interest card?
If you carry a balance month to month, a low-rate card (around 12–14%) usually saves far more than any rewards card earns. Rewards cards make sense when you pay in full every month.
Does paying more than the minimum help?
Yes. Every extra dollar goes straight to principal, which cuts future interest. Even $50 more a month can save months and hundreds of dollars.
Les estimations utilisent une approximation mensuelle : intérêts du mois = solde × taux annuel ÷ 12. Les relevés réels utilisent les soldes quotidiens, les délais de grâce et les règles de paiement de l’émetteur; les résultats peuvent donc différer. WalletReturn est indépendant. Vérifiez les conditions actuelles auprès de l’émetteur.