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Debt & Credit
Model dynamic credit-card minimum payments and refuse false payoff timelines.
Changing currency affects display formatting only. FinTrex does not convert exchange rates or mix currencies inside a calculation.
FinTrex result
Minimum Payment Trap
Minimum payment does not create a valid payoff
No reliable payoff date
Current monthly interest
$125
Modeled first payment
$125
What changes this most?
If the minimum barely covers interest, a payoff timeline is not meaningful without a higher payment.
Real minimum-payment rules and fees vary by card. Enter the provider's formula if known.
Use the number fields, sliders, or a quick preset. You can fully clear a field while editing.
Formula
Each month interest is charged, then a payment equal to the greater of a percentage of balance or a fixed floor is applied.
The minimum-payment convention is user-entered because card providers use different rules. If the modeled payment cannot reduce principal, FinTrex does not return a false payoff date.
Editable rates, growth assumptions, prices, fees, and percentages are planning inputs unless the calculator explicitly identifies a current source.
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