Paid off in
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Total interest
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Total paid
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Learn · Interactive
The cost of paying
The cost of paying
just the minimum
Minimum payments feel manageable — but they stretch debt for years and pile on interest. Compare what happens when you pay only the minimum versus a fixed monthly amount.
Paid off in
—
Total interest
—
Total paid
—
Debt remaining over time
Today
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Simulations assume APR stays constant and no additional charges are added to the balance. Real-world minimum payment rules vary by lender. This tool is for educational purposes only.