Compare calculators

Both calculators run independently — change the inputs on either side to compare results.

Minimum Payment Trap Calculator

See the true cost of making only minimum payments on your credit card — including total interest paid and years to payoff — so you can compare it against a fixed higher payment.

Credit Card Balance ($)

Interest Rate (APR) (%)

Minimum Payment Percentage (%)

Minimum Payment Floor ($)

Fill in the required fields to see your result.

Debt

Debt-to-Income Ratio Calculator

Compute your debt-to-income (DTI) ratio — total monthly debt payments divided by gross monthly income, expressed as a percentage. The single most important number lenders look at when deciding whether to approve a mortgage, auto loan, or any other significant credit.

Monthly Debt Payments ($)

Monthly Gross Income ($)

Fill in the required fields to see your result.

Key differences

	Minimum Payment Trap Calculator	Debt-to-Income Ratio Calculator
Category	Debt	Debt
Inputs required	4	2
Result	Total Interest Paid (Minimum Payments) ($)	Debt-to-Income Ratio (%)
What it does	See the true cost of making only minimum payments on your credit card — including total interest paid and years to payoff — so you can compare it against a fixed higher payment.	Compute your debt-to-income (DTI) ratio — total monthly debt payments divided by gross monthly income, expressed as a percentage. The single most important number lenders look at when deciding whether to approve a mortgage, auto loan, or any other significant credit.