Minimum payment
The amount the issuer says must be received by the due date under its payment instructions. It can include past-due amounts or special-plan requirements.
Credit Card Minimum Payment Calculator from Statement Terms
Enter the rule printed in your card agreement or statement. This estimator compares a percentage-based amount with a fixed floor, then adds the interest, fees, and past-due amount you tell it to include.
Translate the disclosed rule into inputs
This version calculates the greater of a percentage amount or a fixed floor, then adds entered interest, fees, and past-due amounts. The result is capped at the statement balance.
Do not substitute another balance for the minimum due
A statement can show several amounts that answer different questions. The calculator estimates only the required minimum under the rule you enter.
Statement balance
The amount owed when the billing cycle closed. Paying it can have different consequences from paying the minimum, subject to the agreement and account status.
Current balance
A changing figure that can include later purchases, credits, fees, or payments. It should not replace the issued minimum-payment figure.
Example using a disclosed rule
For a $2,000 balance, a 1% base equals $20. If the floor is $25 and the disclosed rule adds $18 of interest and fees, the estimate is $43.
The $25 floor wins because it is greater than $20. The estimator then adds $18. If the actual statement shows another amount, read its minimum-payment explanation before changing any input.
Read the result in three layers
A minimum can contain a base calculation, required additions, and account-specific adjustments.
Base comparison
Compare the percentage amount with the fixed floor printed in the terms.
Required additions
Add interest, fees, or past-due amounts only if the issuer formula says to add them.
Balance cap
A minimum normally cannot exceed the amount owed, so this estimator caps the result at the entered balance.
Reasons the statement amount may differ
Promotional plans, installments, over-limit amounts, delinquency, and rounding can change the calculation. The minimum payment and due date guide explains where to verify the controlling statement figures.
- Different balance categories: An installment or promotional balance may have its own required amount.
- Issuer rounding: A card agreement may round at a different step than this browser calculation.
- Account status: A past-due or over-limit account can trigger terms not represented by the five inputs.