{
  "id": "credit-card-calculator",
  "version": "7.0.0",
  "name": "Credit Card Calculator",
  "shortName": "Credit Card",
  "description": "Calculate how long it will take to pay off your credit card balance or determine the monthly payment needed to be debt-free by a specific date.",
  "category": "Finance",
  "categorySlug": "finance",
  "keywords": [
    "credit",
    "card"
  ],
  "status": "live",
  "workStatus": "pending",
  "reviewStatus": "pending",
  "migrationStatus": "migrated",
  "migratedDate": "2026-08-18",
  "engine": "legacy-react",
  "creator": null,
  "reviewer": null,
  "quality": {
    "availability": "live",
    "technicalReviewRecord": "/reviews/credit-card-calculator.json",
    "qualifiedReview": "pending",
    "qualifiedReviewer": null,
    "qualifiedReviewDate": null,
    "formulaVersion": "7.0.0",
    "referenceCoverage": "references-pending",
    "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
    "historicalMetadataDate": "2026-08-18",
    "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
  },
  "urls": {
    "page": "/calculator/credit-card-calculator/",
    "definition": "/calculator/credit-card-calculator/definition.json",
    "schema": "/calculator/credit-card-calculator/schema.json",
    "llms": "/calculator/credit-card-calculator/llms.txt",
    "legacyDefinition": "/calculator/credit-card-calculator.json"
  },
  "queryExample": "https://askcalculators.com/calculator/credit-card-calculator/?balance=5000&rate=18.9&payment=200&monthsToPay=24&mode=payment",
  "queryParameters": {
    "balance": {
      "label": "Credit Card Balance",
      "type": "number",
      "required": false,
      "default": 5000
    },
    "rate": {
      "label": "Interest Rate (APR)",
      "type": "number",
      "required": false,
      "default": 18.9
    },
    "payment": {
      "label": "Monthly Payment",
      "type": "number",
      "required": false,
      "default": 200
    },
    "monthsToPay": {
      "label": "Months to Payoff",
      "type": "number",
      "required": false,
      "default": 24
    },
    "mode": {
      "label": "Mode",
      "type": "select",
      "required": false,
      "default": "payment"
    }
  },
  "inputs": [
    {
      "id": "balance",
      "label": "Credit Card Balance",
      "type": "number",
      "defaultValue": 5000
    },
    {
      "id": "rate",
      "label": "Interest Rate (APR)",
      "type": "number",
      "defaultValue": 18.9
    },
    {
      "id": "payment",
      "label": "Monthly Payment",
      "type": "number",
      "defaultValue": 200
    },
    {
      "id": "monthsToPay",
      "label": "Months to Payoff",
      "type": "number",
      "defaultValue": 24
    },
    {
      "id": "mode",
      "label": "Mode",
      "type": "select",
      "defaultValue": "payment"
    }
  ],
  "outputs": [
    {
      "id": "result",
      "label": "Result",
      "format": "text",
      "primary": true
    }
  ],
  "formula": {
    "expression": "The balance is simulated month by month: interest is added, then the stated payment is applied, until payoff or the safety limit is reached."
  },
  "examples": [
    {
      "label": "Reproducible default-input example (not a personal recommendation)",
      "inputs": {
        "balance": 5000,
        "rate": 18.9,
        "payment": 200,
        "monthsToPay": 24,
        "mode": "payment"
      }
    }
  ],
  "sources": []
}