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29.99% APR Store Card Calculator

Store credit card calculator. See the cost of 30% interest rates.

Card Details

$
%
$

Paying $150/mo

Debt-Free In

29months(2.4 years)
Total PrincipalTotal Interest
$3,000.00+$1,210.13

Total Cost of Debt

$4,210.13

You will pay $1,210.13 in interest fees.

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Analysis: 29.99% APR

Store credit cards often charge 29.99%. This is near-predatory. Pay these off first using the 'Avalanche Method'.

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Frequently Asked Questions

How long to pay off $3,000?

With a monthly payment of $150, it will take approximately 29 months to pay off $3,000 at 29.99% APR.

How much interest will I pay on $3,000?

At 29.99% APR, you are paying roughly $74 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.