Calculadora de Cartão de Crédito
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
Formula
total = dívida × (1 + taxa_mensal)^meses
About this calculator
The Credit Card Calculator from UtilizAí shows how a credit card debt grows when you pay only the minimum and the remainder becomes revolving debt. It calculates the total accumulated after a period, considering monthly compound interest. Simply enter the initial debt amount, your card's monthly interest rate, and how many months you intend to leave the balance. The result displays the final amount due.
The calculation is straightforward: it applies the compound interest formula, where the final total equals the initial debt multiplied by (1 + monthly rate) raised to the number of months. For example, a debt of R$ 1,000 at 15% per month after 3 months becomes R$ 1,520.88. This simulates the compounding effect common in revolving credit, which can make debt grow quickly.
Use this tool to simulate scenarios before deciding to installment or renegotiate. For instance, if you owe R$ 2,000 and want to know how much you'll pay in 6 months at 12% per month, the calculator shows the value. It also helps compare credit offers or plan full payment. It is useful for consumers who want to avoid surprises with credit card revolving debt.
Caution: credit card interest rates in Brazil are among the highest in the world, often above 300% per year. The calculator considers compound interest without amortization, meaning you pay nothing during the period. In practice, minimum payments reduce the balance but still generate interest. Always prefer to pay the full invoice amount to avoid revolving debt.
Frequently asked questions
What is revolving credit card debt?
It is the remaining balance when you don't pay the full invoice, paying only the minimum. This balance is financed with high interest, usually above 10% per month.
How does the calculator consider interest?
It uses monthly compound interest on the total debt amount, without considering partial payments. The result is the amount due after the given period.
Can I use it to calculate installment payments?
Yes, if the installment plan uses compound interest. However, many plans use simple interest or a fixed rate; check with your bank about the interest regime.
What is the difference between simple and compound interest?
In simple interest, the rate applies only to the initial amount. In compound interest, it applies to the updated amount, generating interest on interest. Revolving credit uses compound interest.
How to reduce credit card debt?
Always pay the full invoice amount if possible. If not, negotiate an installment plan with the bank or transfer the balance to a credit line with lower interest.