Calculate loans and credit cards separately, and check your repayment pressure and affordability | For reference only, not formal financial advice
Loans and credit cards work differently — loans usually already have a fixed term and monthly payment, while credit cards are often only ever paid at the "minimum". Fill in the details below and the results update instantly, no need to press a button.
💰 Monthly Income (for affordability check)
Enter your after-tax monthly income to see what percentage of it goes toward debt repayment (DSR)
💳 Loans
Personal loans, tax loans, instalment loans, etc — where you already know the principal, term and monthly payment
🪪 Credit Cards
Enter the balance and minimum payment percentage — we'll use a typical Hong Kong credit card interest rate automatically
Your Overall Repayment Situation
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Total debt
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Total monthly payment
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Longest to clear
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Estimated total interest
Total monthly payment as a share of your income: -
🧮 Payoff Plan Comparison
Consolidate your debts into one repayment plan — try a lower monthly flat rate and different terms to see how much interest you could save
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Estimated total interest, current approach
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Estimated total interest, payoff plan
Estimated savings: - in interest
New plan's approximate monthly payment: $0 (principal + interest ÷ term). This comparison is a rough estimate only — the actual rate and plan you may be approved for need to be assessed by a professional advisor based on your financial situation.
The results from this calculator are a rough estimate based on the figures you enter, intended for reference and self-understanding only. They do not constitute financial, legal or repayment advice, and do not represent any actual approved plan, rate or amount. Credit card calculations assume a fixed monthly payment and use a typical Hong Kong credit card interest rate as an estimate. DSR (Debt Servicing Ratio) is a simplified calculation based only on the debts you enter, and does not account for other living expenses or liabilities — actual bank approval criteria may differ. Actual circumstances must be assessed by a professional advisor based on your complete financial situation.
