{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://askcalculators.com/calculator/credit-card-calculator/schema.json",
  "title": "Credit Card Calculator inputs",
  "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.",
  "type": "object",
  "properties": {
    "balance": {
      "title": "Credit Card Balance",
      "type": "number",
      "default": 5000
    },
    "rate": {
      "title": "Interest Rate (APR)",
      "type": "number",
      "default": 18.9
    },
    "payment": {
      "title": "Monthly Payment",
      "type": "number",
      "default": 200
    },
    "monthsToPay": {
      "title": "Months to Payoff",
      "type": "number",
      "default": 24
    },
    "mode": {
      "title": "Mode",
      "type": [
        "string",
        "number"
      ],
      "default": "payment"
    }
  },
  "required": [],
  "additionalProperties": false,
  "x-askcalculators": {
    "version": "7.0.0",
    "calculatorUrl": "https://askcalculators.com/calculator/credit-card-calculator/",
    "queryExample": "https://askcalculators.com/calculator/credit-card-calculator/?balance=5000&rate=18.9&payment=200&monthsToPay=24&mode=payment",
    "migrationStatus": "migrated",
    "reviewStatus": "pending",
    "pageStatus": "live",
    "workStatus": "pending",
    "migratedDate": "2026-08-18",
    "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."
    },
    "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."
    },
    "outputs": {
      "result": {
        "title": "Result",
        "type": "string",
        "x-format": "text",
        "x-primary": true
      }
    }
  }
}