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Credit Card Payment Breakdown

How much of your payment goes to interest vs balance this month, and your new balance.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Interest this month ≈ balance × APR ÷ 12; the rest of the payment reduces the balance. Estimate for planning only, based on the numbers you enter. Your bank or provider’s statement is the final word.

How to use it (step by step)

  1. 1Fill in the boxes: “Balance”, “APR (%)”, “Payment”. Example numbers are already there so you can see how it works; replace them with yours.
  2. 2The result updates instantly as you type (on a phone it is below the boxes).
  3. 3The bold line is the main answer. Tap Copy next to any value to copy it.

Words to know

Interest
The extra money you pay for borrowing, like a rental fee for using someone else’s money.
APR
Annual Percentage Rate: the yearly interest rate. Philippine cards often show a monthly rate instead; ×12 gives the APR.
Principal
The amount you originally borrowed, without the interest.
Percentage
A part out of 100. 25% of 200 = 50.
DOCX (Word file)
The file type Microsoft Word, Google Docs and WPS use for editable documents.

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