Credit Card Debt Analyser

This is pre-set to 18% — the standard rate for most Malaysian credit cards. You'll find your actual rate on your card statement under 'Finance Charges'. Only change this if yours is different.

If you pay more than the minimum each month, enter that extra amount here. For example, if your minimum is RM 500 and you pay RM 800, enter 300. If you only pay the minimum, leave this at 0.

This creates a 'what if' scenario: what if you disciplined yourself to pay a fixed amount every month instead of the declining minimum? We'll show you how much faster you'd clear the debt. Leave empty to use your current commitment as the default.

This is the interest rate you'd get on a personal loan to pay off your credit card. We've set 5% as a typical rate. Government employees may get as low as 4.5%; private sector is usually 6–8%. Your actual rate depends on your credit profile.

Your total credit limit (not the balance). If you enter this, we'll show how consolidating frees up your credit line as an emergency safety net. You can find this on your credit card statement.