Use Credit Wisely

Find out how long it will take for you to become debt free and how much interest you'll have to pay if you make a fixed monthly payment that you've set.

Alternatively, input a "debt-free date" and the calculator will tell you how much you'll have to pay each month to be officially debt-free by the date you've fixed.

When Will I Be Debt Free?

Enter your debts:

Name of Credit	Balance ($)	Interest Rate p.a.(%)	Min Payment ($)

Your Current Status:

Total Owed	Average Interest Rate	Monthly Payment	Monthly Interest

Debt Free Date		Total Interest	Interest% of Owed

Time to Repay:

About Us

Calculators

Debt-to-Income Ratio

When Will I Be Debt Free?

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Case Studies

Mounting Credit Card Debt

Losing Your Job

Repaying Your Student Loan

Losing Your Income

Taking A Car Loan

Buying A House

Use Credit Wisely Guide

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Other Useful Resources

The Association of Banks in Singapore

Credit Card Tips for First-Time Users

CPF Retirement Ready

Credit Bureau (Singapore) Pte Ltd

Credit Counselling Singapore

IM$avvy

Insolvency & Public Trustee's Office

MoneySENSE

Citi's Office of Financial Ed

News & Events

Disclaimer: The information you input into this calculator will be used to compute a "debt-free date" based on certain formulae Citibank considers reliable. The information on this website is provided for reference only and is intended to illustrate approaches to using credit wisely. It should not be relied upon as credit counselling or advice. No liability is accepted by Citibank for any loss (whether direct, indirect, or consequential) that may arise from any use of the information contained in or derived from this website.

Citi.com