Credit Card Debt Payoff Simulator

Compare three payoff strategies: minimum payments, aggressive repayment, or a consolidation loan. See how long it takes, how much interest you pay, and which option fits your cashflow.

Important: This simulator focuses on credit card debt scenarios. It helps you understand payoff time and interest cost, but does not represent actual bank offers. Consolidation loan rates and approvals depend on your credit profile and bank policies.

Your Credit Cards

List each card with its current balance, interest rate, and minimum monthly payment. The simulator will calculate payoff time and interest under different strategies.

Card Name / Bank	Current Balance (RM)	Interest Rate (% p.a.)	Minimum Monthly Payment (RM)	Action

Payoff Strategies Settings

Monthly Budget for Aggressive Repayment (RM)

Total amount you can commit every month to clear all cards. The simulator will allocate this using a debt snowball or avalanche method.

Consolidation Loan Interest Rate (% p.a.)

Consolidation Loan Tenure (Years)

years

The consolidation strategy assumes you take one personal loan to fully settle all listed card balances, then pay only this fixed instalment every month.