Credit Card EMI Calculator
Convert credit card balance to EMI. See how minimum payment traps you for years.
Credit Card Details
Most cards: 36-42% p.a. (3-3.5% per month)
EMI conversion rates are lower than revolving APR
⚠️ Minimum Payment Trap
If you pay only minimum (5% or ₹200):
Time to clear ₹1.00 L191 months (15.9 years!)
Total interest paid₹1.46 L
Total amount paid₹2.46 L
✅ Convert to EMI (12 months)
Monthly EMI₹9,026
Total Interest₹8,312
You SAVE vs minimum payment₹1.38 L
Best Options (ranked)
- 1. Pay full immediately₹0 interest
- 2. Personal loan to clear CC (@ 12%)₹6,000 interest
- 3. EMI conversion (@ 15%)₹8,312 interest
- 4. Minimum payment (WORST)₹1.46 L interest
Interest Cost — All Options Compared
See how much extra you pay with each repayment method