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Credit Card vs Personal Loan Calculator

Compare paying off a credit card balance vs taking a personal loan at a lower rate — total interest and payoff time.

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Why use Credit Card vs Personal Loan Calculator?

Compare paying off a credit card balance vs taking a personal loan at a lower rate — total interest and payoff time.

  • What this is forShould you keep paying the card or take a personal loan at a lower rate?
  • Total cost viewCompare total interest, monthly payment, and time to clear the same balance.
  • Share your inputsUseful when negotiating a personal loan or balance transfer.
  • Good to knowPL prepayment penalties and card fees are not included. Not a loan offer or credit advice.
$1,000$5.00M
%
12%48%
$100$500,000
%
1%24%
Yrs
1 Yrs7 Yrs

Winner

Take a personal loan

Save $31,955

Less total interest than keeping the card balance

Keep Paying Credit Card

Monthly

$5,000

Duration

2y 7m

Total Interest

$54,995

Total Paid

$154,995

Personal Loan

Monthly

$3,418

Duration

3y 0m

Total Interest

$23,039

Total Paid

$123,039

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How Credit Card vs Personal Loan Calculator Works

Enter card balance, APR, and your current monthly payment vs a personal loan rate and tenure. We compare total interest and time to become debt-free.

Frequently Asked Questions

When is a personal loan better?

Usually when the PL rate is much lower than your card APR and the PL tenure keeps total interest below what you'd pay on the card.

Does this include balance transfer offers?

Enter the promotional APR as card APR if comparing a balance transfer; otherwise use your current card rate.

Disclaimer

  • This calculator gives you an estimate only. It is not a promise of exact results.
  • This is general information, not personal financial, tax, or legal advice.
  • You are responsible for your own decisions. Talk to a qualified professional when it matters.
  • Banks and lenders may add fees, insurance, or a different interest method. Your real EMI can differ.

Full site disclaimer

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