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Repayment Timeline Calculator
See exactly when you'll pay off your debt and how much interest you'll pay. Compare your current payments against an accelerated plan to find the fastest path to debt-free.
Credit cards: typically 15-18% p.a. Personal loans: 5-12% p.a.
Any additional amount beyond your regular payment.
Debt repayment strategies
- Avalanche method: Pay minimums on everything, throw extra cash at the highest-interest debt. Saves the most money.
- Snowball method: Pay minimums on everything, throw extra cash at the smallest balance. Better for motivation.
- AKPK DMP: If you're struggling with multiple debts, AKPK's Debt Management Programme can negotiate reduced rates. Free service at akpk.org.my.
- Balance transfer: Move high-interest credit card debt to a 0% promo rate. Use our Balance Transfer Calculator to check if it's worthwhile.
Tip: Even RM50 extra makes a difference
On a RM10,000 credit card balance at 18% p.a., paying RM300/month takes 47 months and costs RM3,923 in interest. Adding just RM50 more (RM350/month) cuts it to 38 months and saves RM857 in interest.
This calculator assumes a fixed interest rate and consistent monthly payments. Actual payoff timelines may vary based on your lender's interest calculation method, any fees, and changes to your payment amount.