All Debt Tools
Debt Planner
25% APR Credit Card Calculator
Calculate payments for high-interest cards (25% APR).
Card Details
$
%
$
Paying $200/mo
Debt-Free In
36months(3.0 years)
Total PrincipalTotal Interest
$5,000.00+$2,136.55
Total Cost of Debt
$7,136.55
You will pay $2,136.55 in interest fees.
Add this calculator to your website
Want to use this tool on your blog or website? Copy the code below.
Analysis: 25% APR
25% is a typical rate for rewards cards or borrowers with fair credit. Interest accumulates very quickly at this rate.
Explore Other Balances
Frequently Asked Questions
How long to pay off $5,000?
With a monthly payment of $200, it will take approximately 36 months to pay off $5,000 at 25% APR.
How much interest will I pay on $5,000?
At 25% APR, you are paying roughly $104 in interest alone every single month. To make progress, your payment must exceed this amount.
Is it better to pay minimum or extra?
Always pay extra. Paying only the minimum (~2%) typically extends your debt timeline to 15-20 years. Doubling the minimum often cuts that to 3-5 years.