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Cost of Debt

The interest you pay on your debt can quickly become very expensive. Use this calculator to help determine just how expensive your debt has become. Enter all of your credit cards and outstanding installment loan balances. Find out how much you owe, how much interest you are scheduled to pay and how long it will take to pay it all off.


Credit Cards
Enter up to 4 credit card accounts, one on each line.

Your current balance on your credit card or other loan.

Interest Rates (APR)
The average annual percentage rate you pay. This interest rate is calculated for each of the categories of debt you have including credit cards and your other loans. For credit cards the rate you enter is used to calculate the interest on all future credit card payments. The length of time to pay off this credit card may be much greater than calculated if you enter a low promotional interest rate that is only good for a short period of time.

Monthly Payment
Your current monthly payment for the loan or credit card.

Auto Loans
Enter your current balance, APR and monthly payment. The calculator will calculate the number of monthly payment you have left and the total interest.

Other Loans
Enter your current balance, APR and monthly payment for up to two personal loans and one additional loan. The calculator will calculate the number of monthly payment you have left and the total interest.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Nelson & District Credit Union nor its subsidiaries guarantee the accuracy of financial calculators provided on the zippitydodog website. Calculations of said calculators do not in any way constitute an offer of products or rates on behalf of Nelson & District Credit Union or its subsidiaries. Java Runtime Environment (JRE) is a trademark or registered trademark of Sun Microsystems, Inc. in the United States and other countries. Nelson & District Credit Union is independent of Sun Microsystems, Inc.

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