{"id":710,"date":"2026-08-17T10:05:39","date_gmt":"2026-08-17T10:05:39","guid":{"rendered":"https:\/\/www.stockmaster.in\/universe\/?p=710"},"modified":"2026-08-17T10:06:28","modified_gmt":"2026-08-17T10:06:28","slug":"credit-card-repayment-calculator-australia","status":"publish","type":"post","link":"https:\/\/www.stockmaster.in\/universe\/credit-card-repayment-calculator-australia\/","title":{"rendered":"Credit Card Repayment Calculator Australia"},"content":{"rendered":"<div id=\"ccr-au-calculator\">\r\n\r\n  <div class=\"ccr-au-container\">\r\n\r\n    <div class=\"ccr-au-hero\">\r\n      <div class=\"ccr-au-badge\">AUSTRALIA CREDIT CARD CALCULATOR<\/div>\r\n\r\n      <h2>Credit Card Repayment Calculator Australia<\/h2>\r\n\r\n      <p>\r\n        Estimate your credit card repayment time, total interest and\r\n        how extra repayments could help you clear your balance sooner.\r\n      <\/p>\r\n    <\/div>\r\n\r\n\r\n    <div class=\"ccr-au-main\">\r\n\r\n      <!-- INPUT PANEL -->\r\n\r\n      <div class=\"ccr-au-input-panel\">\r\n\r\n        <h3>Your Credit Card<\/h3>\r\n\r\n        <div class=\"ccr-au-field\">\r\n\r\n          <label for=\"ccr-au-balance\">\r\n            Current Credit Card Balance\r\n          <\/label>\r\n\r\n          <div class=\"ccr-au-input-wrap\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"ccr-au-balance\"\r\n              value=\"5000\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"ccr-au-field\">\r\n\r\n          <label for=\"ccr-au-rate\">\r\n            Annual Interest Rate\r\n            <small>p.a.<\/small>\r\n          <\/label>\r\n\r\n          <div class=\"ccr-au-input-wrap\">\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"ccr-au-rate\"\r\n              value=\"19.99\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n            <span>%<\/span>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"ccr-au-field\">\r\n\r\n          <label for=\"ccr-au-payment\">\r\n            Monthly Repayment\r\n          <\/label>\r\n\r\n          <div class=\"ccr-au-input-wrap\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"ccr-au-payment\"\r\n              value=\"250\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"ccr-au-field\">\r\n\r\n          <label for=\"ccr-au-extra\">\r\n            Extra Monthly Repayment\r\n            <small>Optional<\/small>\r\n          <\/label>\r\n\r\n          <div class=\"ccr-au-input-wrap\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"ccr-au-extra\"\r\n              value=\"0\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <button\r\n          type=\"button\"\r\n          id=\"ccr-au-calculate\"\r\n        >\r\n          Calculate Repayments\r\n        <\/button>\r\n\r\n\r\n        <button\r\n          type=\"button\"\r\n          id=\"ccr-au-reset\"\r\n          class=\"ccr-au-reset\"\r\n        >\r\n          Reset Calculator\r\n        <\/button>\r\n\r\n      <\/div>\r\n\r\n\r\n      <!-- RESULTS -->\r\n\r\n      <div class=\"ccr-au-results\">\r\n\r\n        <div\r\n          id=\"ccr-au-error\"\r\n          class=\"ccr-au-error\"\r\n        ><\/div>\r\n\r\n\r\n        <div class=\"ccr-au-result-banner\">\r\n\r\n          <div>\r\n\r\n            <span>ESTIMATED DEBT-FREE DATE<\/span>\r\n\r\n            <strong id=\"ccr-au-date\">\r\n              \u2014\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"ccr-au-banner-right\">\r\n\r\n            <span>REPAYMENT TIME<\/span>\r\n\r\n            <strong id=\"ccr-au-time\">\r\n              \u2014\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- STATISTICS -->\r\n\r\n        <div class=\"ccr-au-stat-grid\">\r\n\r\n          <div class=\"ccr-au-stat\">\r\n\r\n            <span>Total Interest<\/span>\r\n\r\n            <strong id=\"ccr-au-interest\">\r\n              $0.00\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"ccr-au-stat\">\r\n\r\n            <span>Total Repaid<\/span>\r\n\r\n            <strong id=\"ccr-au-total\">\r\n              $0.00\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"ccr-au-stat\">\r\n\r\n            <span>First Month Interest<\/span>\r\n\r\n            <strong id=\"ccr-au-monthly-interest\">\r\n              $0.00\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"ccr-au-stat\">\r\n\r\n            <span>First Month Principal<\/span>\r\n\r\n            <strong id=\"ccr-au-principal\">\r\n              $0.00\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- SUMMARY -->\r\n\r\n        <div class=\"ccr-au-summary\">\r\n\r\n          <h3>Your Repayment Plan<\/h3>\r\n\r\n          <p id=\"ccr-au-summary-text\"><\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- TARGET PAYMENTS -->\r\n\r\n        <div class=\"ccr-au-section\">\r\n\r\n          <div class=\"ccr-au-section-heading\">\r\n\r\n            <h3>Repayment Needed to Clear Your Balance<\/h3>\r\n\r\n            <p>\r\n              Estimated monthly repayment needed to pay off your\r\n              credit card balance within a target period.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"ccr-au-target-grid\">\r\n\r\n            <div class=\"ccr-au-target\">\r\n\r\n              <span>12 Months<\/span>\r\n\r\n              <strong id=\"ccr-au-target12\">\r\n                $0.00\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"ccr-au-target\">\r\n\r\n              <span>24 Months<\/span>\r\n\r\n              <strong id=\"ccr-au-target24\">\r\n                $0.00\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"ccr-au-target\">\r\n\r\n              <span>36 Months<\/span>\r\n\r\n              <strong id=\"ccr-au-target36\">\r\n                $0.00\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- SCENARIOS -->\r\n\r\n        <div class=\"ccr-au-section\">\r\n\r\n          <div class=\"ccr-au-section-heading\">\r\n\r\n            <h3>What If You Pay More?<\/h3>\r\n\r\n            <p>\r\n              Compare your current repayment with additional monthly\r\n              repayments.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"ccr-au-table-wrap\">\r\n\r\n            <table class=\"ccr-au-table\">\r\n\r\n              <thead>\r\n\r\n                <tr>\r\n\r\n                  <th>Monthly Repayment<\/th>\r\n                  <th>Repayment Time<\/th>\r\n                  <th>Total Interest<\/th>\r\n                  <th>Interest Saved<\/th>\r\n\r\n                <\/tr>\r\n\r\n              <\/thead>\r\n\r\n              <tbody>\r\n\r\n                <tr>\r\n\r\n                  <td id=\"ccr-au-s0-payment\">$0.00<\/td>\r\n\r\n                  <td id=\"ccr-au-s0-time\">\u2014<\/td>\r\n\r\n                  <td id=\"ccr-au-s0-interest\">$0.00<\/td>\r\n\r\n                  <td id=\"ccr-au-s0-saving\">$0.00<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td id=\"ccr-au-s1-payment\">$0.00<\/td>\r\n\r\n                  <td id=\"ccr-au-s1-time\">\u2014<\/td>\r\n\r\n                  <td id=\"ccr-au-s1-interest\">$0.00<\/td>\r\n\r\n                  <td id=\"ccr-au-s1-saving\">$0.00<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td id=\"ccr-au-s2-payment\">$0.00<\/td>\r\n\r\n                  <td id=\"ccr-au-s2-time\">\u2014<\/td>\r\n\r\n                  <td id=\"ccr-au-s2-interest\">$0.00<\/td>\r\n\r\n                  <td id=\"ccr-au-s2-saving\">$0.00<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td id=\"ccr-au-s3-payment\">$0.00<\/td>\r\n\r\n                  <td id=\"ccr-au-s3-time\">\u2014<\/td>\r\n\r\n                  <td id=\"ccr-au-s3-interest\">$0.00<\/td>\r\n\r\n                  <td id=\"ccr-au-s3-saving\">$0.00<\/td>\r\n\r\n                <\/tr>\r\n\r\n              <\/tbody>\r\n\r\n            <\/table>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- CHART -->\r\n\r\n        <div class=\"ccr-au-section\">\r\n\r\n          <div class=\"ccr-au-section-heading\">\r\n\r\n            <h3>Credit Card Balance Progress<\/h3>\r\n\r\n            <p>\r\n              Estimated remaining balance over the repayment period.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"ccr-au-chart\">\r\n\r\n            <canvas id=\"ccr-au-chart-canvas\"><\/canvas>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- SCHEDULE -->\r\n\r\n        <div class=\"ccr-au-section\">\r\n\r\n          <div class=\"ccr-au-section-heading\">\r\n\r\n            <h3>Monthly Repayment Schedule<\/h3>\r\n\r\n            <p>\r\n              Estimated repayment, interest, principal and remaining\r\n              balance.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"ccr-au-table-wrap ccr-au-schedule\">\r\n\r\n            <table class=\"ccr-au-table\">\r\n\r\n              <thead>\r\n\r\n                <tr>\r\n\r\n                  <th>Month<\/th>\r\n                  <th>Repayment<\/th>\r\n                  <th>Interest<\/th>\r\n                  <th>Principal<\/th>\r\n                  <th>Remaining Balance<\/th>\r\n\r\n                <\/tr>\r\n\r\n              <\/thead>\r\n\r\n              <tbody id=\"ccr-au-schedule-body\"><\/tbody>\r\n\r\n            <\/table>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- SAVINGS -->\r\n\r\n        <div class=\"ccr-au-saving-box\">\r\n\r\n          <div>\r\n\r\n            <strong>Potential Interest Saving<\/strong>\r\n\r\n            <small>\r\n              If you pay an additional $250 per month\r\n            <\/small>\r\n\r\n          <\/div>\r\n\r\n          <span id=\"ccr-au-saving-value\">\r\n            $0.00\r\n          <\/span>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- DISCLAIMER -->\r\n\r\n        <div class=\"ccr-au-disclaimer\">\r\n\r\n          <strong>Important:<\/strong>\r\n\r\n          This calculator provides an estimate for educational purposes.\r\n          Actual credit card interest can differ because Australian card\r\n          providers may calculate interest using daily balances, daily\r\n          interest rates, payment timing, fees, new purchases, interest-free\r\n          periods and other account terms.\r\n\r\n          Check your credit card provider's terms and statements for\r\n          exact repayment information. This calculator does not provide\r\n          financial advice.\r\n\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- SEO CONTENT -->\r\n\r\n    <div class=\"ccr-au-content\">\r\n\r\n      <h3>How to Use the Credit Card Repayment Calculator<\/h3>\r\n\r\n      <p>\r\n        Enter your current credit card balance, annual interest rate and\r\n        planned monthly repayment. You can also enter an extra monthly\r\n        repayment to see how increasing your payments may reduce the time\r\n        required to clear your balance and the amount of interest paid.\r\n      <\/p>\r\n\r\n\r\n      <h3>How Credit Card Interest Affects Repayments<\/h3>\r\n\r\n      <p>\r\n        Credit card interest can add significantly to the cost of carrying\r\n        a balance. When interest is charged, part of each repayment goes\r\n        towards interest and the remainder reduces the outstanding\r\n        principal. A higher interest rate or lower repayment can make it\r\n        take longer to clear the balance.\r\n      <\/p>\r\n\r\n\r\n      <h3>Can Extra Repayments Help?<\/h3>\r\n\r\n      <p>\r\n        Paying more than your regular repayment can reduce the outstanding\r\n        balance faster and may reduce the total interest paid. Use the\r\n        comparison table to see how different monthly repayment amounts\r\n        could affect your estimated repayment period.\r\n      <\/p>\r\n\r\n\r\n      <h3>Credit Card Repayment Calculator Australia<\/h3>\r\n\r\n      <p>\r\n        This calculator is designed for Australian users and displays\r\n        results in Australian dollars. It can be used to estimate repayment\r\n        periods for an existing credit card balance and compare different\r\n        repayment strategies.\r\n      <\/p>\r\n\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<style>\r\n\r\n\/* =====================================================\r\n   CREDIT CARD REPAYMENT CALCULATOR AUSTRALIA\r\n   PRIMARY COLOUR: #7C3AED\r\n===================================================== *\/\r\n\r\n#ccr-au-calculator {\r\n\r\n  --ccr-primary: #7C3AED;\r\n  --ccr-primary-dark: #6D28D9;\r\n  --ccr-primary-light: #F3E8FF;\r\n\r\n  --ccr-text: #111827;\r\n  --ccr-muted: #6B7280;\r\n\r\n  --ccr-border: #E5E7EB;\r\n  --ccr-bg: #F8FAFC;\r\n\r\n  --ccr-green: #15803D;\r\n  --ccr-green-bg: #F0FDF4;\r\n\r\n  --ccr-red: #B91C1C;\r\n  --ccr-red-bg: #FEF2F2;\r\n\r\n  max-width: 1100px;\r\n  margin: 30px auto;\r\n\r\n  font-family:\r\n    Arial,\r\n    Helvetica,\r\n    sans-serif;\r\n\r\n  color: var(--ccr-text);\r\n\r\n  line-height: 1.5;\r\n\r\n}\r\n\r\n\r\n#ccr-au-calculator *,\r\n#ccr-au-calculator *::before,\r\n#ccr-au-calculator *::after {\r\n\r\n  box-sizing: border-box;\r\n\r\n}\r\n\r\n\r\n\/* HERO *\/\r\n\r\n.ccr-au-hero {\r\n\r\n  text-align: center;\r\n\r\n  margin-bottom: 25px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-badge {\r\n\r\n  display: inline-block;\r\n\r\n  padding: 6px 12px;\r\n\r\n  border-radius: 50px;\r\n\r\n  background:\r\n    var(--ccr-primary-light);\r\n\r\n  color:\r\n    var(--ccr-primary-dark);\r\n\r\n  font-size: 11px;\r\n\r\n  font-weight: 800;\r\n\r\n  letter-spacing: .5px;\r\n\r\n  margin-bottom: 10px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-hero h2 {\r\n\r\n  margin:\r\n    0 0 10px;\r\n\r\n  font-size: 32px;\r\n\r\n  line-height: 1.2;\r\n\r\n}\r\n\r\n\r\n.ccr-au-hero p {\r\n\r\n  max-width: 720px;\r\n\r\n  margin: auto;\r\n\r\n  color:\r\n    var(--ccr-muted);\r\n\r\n  font-size: 15px;\r\n\r\n}\r\n\r\n\r\n\/* MAIN *\/\r\n\r\n.ccr-au-main {\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    330px\r\n    1fr;\r\n\r\n  gap: 22px;\r\n\r\n  align-items: start;\r\n\r\n}\r\n\r\n\r\n\/* INPUT PANEL *\/\r\n\r\n.ccr-au-input-panel {\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--ccr-border);\r\n\r\n  border-radius: 14px;\r\n\r\n  padding: 22px;\r\n\r\n  box-shadow:\r\n    0 4px 18px\r\n    rgba(0,0,0,.05);\r\n\r\n  position: sticky;\r\n\r\n  top: 20px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-input-panel h3 {\r\n\r\n  margin:\r\n    0 0 20px;\r\n\r\n  font-size: 20px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-field {\r\n\r\n  margin-bottom: 17px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-field label {\r\n\r\n  display: block;\r\n\r\n  margin-bottom: 7px;\r\n\r\n  font-size: 13px;\r\n\r\n  font-weight: 700;\r\n\r\n}\r\n\r\n\r\n.ccr-au-field label small {\r\n\r\n  float: right;\r\n\r\n  color:\r\n    var(--ccr-muted);\r\n\r\n  font-weight: 400;\r\n\r\n}\r\n\r\n\r\n.ccr-au-input-wrap {\r\n\r\n  display: flex;\r\n\r\n  align-items: center;\r\n\r\n  height: 48px;\r\n\r\n  border:\r\n    1px solid\r\n    #D1D5DB;\r\n\r\n  border-radius: 8px;\r\n\r\n  background: #fff;\r\n\r\n  overflow: hidden;\r\n\r\n}\r\n\r\n\r\n.ccr-au-input-wrap:focus-within {\r\n\r\n  border-color:\r\n    var(--ccr-primary);\r\n\r\n  box-shadow:\r\n    0 0 0 3px\r\n    rgba(124,58,237,.12);\r\n\r\n}\r\n\r\n\r\n.ccr-au-input-wrap span {\r\n\r\n  padding:\r\n    0 12px;\r\n\r\n  color:\r\n    var(--ccr-muted);\r\n\r\n  font-weight: 600;\r\n\r\n}\r\n\r\n\r\n.ccr-au-input-wrap input {\r\n\r\n  width: 100%;\r\n\r\n  height: 100%;\r\n\r\n  border: 0;\r\n\r\n  outline: 0;\r\n\r\n  padding:\r\n    0 10px;\r\n\r\n  font-size: 16px;\r\n\r\n  color:\r\n    var(--ccr-text);\r\n\r\n  background:\r\n    transparent;\r\n\r\n}\r\n\r\n\r\n#ccr-au-calculate {\r\n\r\n  width: 100%;\r\n\r\n  height: 50px;\r\n\r\n  border: 0;\r\n\r\n  border-radius: 8px;\r\n\r\n  background:\r\n    var(--ccr-primary);\r\n\r\n  color: #fff;\r\n\r\n  font-size: 16px;\r\n\r\n  font-weight: 800;\r\n\r\n  cursor: pointer;\r\n\r\n  transition: .2s;\r\n\r\n}\r\n\r\n\r\n#ccr-au-calculate:hover {\r\n\r\n  background:\r\n    var(--ccr-primary-dark);\r\n\r\n}\r\n\r\n\r\n.ccr-au-reset {\r\n\r\n  width: 100%;\r\n\r\n  height: 40px;\r\n\r\n  margin-top: 8px;\r\n\r\n  border: 0;\r\n\r\n  background: transparent;\r\n\r\n  color:\r\n    var(--ccr-muted);\r\n\r\n  cursor: pointer;\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* ERROR *\/\r\n\r\n.ccr-au-error {\r\n\r\n  display: none;\r\n\r\n  margin-bottom: 18px;\r\n\r\n  padding: 13px;\r\n\r\n  border-radius: 9px;\r\n\r\n  background:\r\n    var(--ccr-red-bg);\r\n\r\n  color:\r\n    var(--ccr-red);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* RESULT BANNER *\/\r\n\r\n.ccr-au-result-banner {\r\n\r\n  display: flex;\r\n\r\n  justify-content: space-between;\r\n\r\n  gap: 15px;\r\n\r\n  padding: 23px;\r\n\r\n  border-radius: 14px;\r\n\r\n  background:\r\n    linear-gradient(\r\n      135deg,\r\n      var(--ccr-primary),\r\n      var(--ccr-primary-dark)\r\n    );\r\n\r\n  color: #fff;\r\n\r\n  box-shadow:\r\n    0 8px 25px\r\n    rgba(124,58,237,.22);\r\n\r\n}\r\n\r\n\r\n.ccr-au-result-banner span {\r\n\r\n  display: block;\r\n\r\n  font-size: 11px;\r\n\r\n  opacity: .8;\r\n\r\n  font-weight: 700;\r\n\r\n  margin-bottom: 5px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-result-banner strong {\r\n\r\n  display: block;\r\n\r\n  font-size: 24px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-banner-right {\r\n\r\n  text-align: right;\r\n\r\n}\r\n\r\n\r\n.ccr-au-banner-right strong {\r\n\r\n  font-size: 21px;\r\n\r\n}\r\n\r\n\r\n\/* STATS *\/\r\n\r\n.ccr-au-stat-grid {\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    repeat(4,1fr);\r\n\r\n  gap: 12px;\r\n\r\n  margin-top: 14px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-stat {\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--ccr-border);\r\n\r\n  border-radius: 10px;\r\n\r\n  padding:\r\n    17px 10px;\r\n\r\n  text-align: center;\r\n\r\n}\r\n\r\n\r\n.ccr-au-stat span {\r\n\r\n  display: block;\r\n\r\n  color:\r\n    var(--ccr-muted);\r\n\r\n  font-size: 12px;\r\n\r\n  margin-bottom: 5px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-stat strong {\r\n\r\n  font-size: 18px;\r\n\r\n}\r\n\r\n\r\n\/* SUMMARY *\/\r\n\r\n.ccr-au-summary {\r\n\r\n  margin-top: 15px;\r\n\r\n  padding: 19px;\r\n\r\n  background:\r\n    var(--ccr-primary-light);\r\n\r\n  border-left:\r\n    4px solid\r\n    var(--ccr-primary);\r\n\r\n  border-radius: 9px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-summary h3 {\r\n\r\n  margin:\r\n    0 0 7px;\r\n\r\n  font-size: 18px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-summary p {\r\n\r\n  margin: 0;\r\n\r\n  font-size: 14px;\r\n\r\n}\r\n\r\n\r\n\/* SECTIONS *\/\r\n\r\n.ccr-au-section {\r\n\r\n  margin-top: 25px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-section-heading h3 {\r\n\r\n  margin:\r\n    0 0 5px;\r\n\r\n  font-size: 20px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-section-heading p {\r\n\r\n  margin:\r\n    0 0 14px;\r\n\r\n  color:\r\n    var(--ccr-muted);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* TARGETS *\/\r\n\r\n.ccr-au-target-grid {\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    repeat(3,1fr);\r\n\r\n  gap: 12px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-target {\r\n\r\n  padding: 18px;\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--ccr-border);\r\n\r\n  border-radius: 10px;\r\n\r\n  text-align: center;\r\n\r\n}\r\n\r\n\r\n.ccr-au-target span {\r\n\r\n  display: block;\r\n\r\n  color:\r\n    var(--ccr-muted);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-target strong {\r\n\r\n  display: block;\r\n\r\n  margin-top: 5px;\r\n\r\n  font-size: 21px;\r\n\r\n  color:\r\n    var(--ccr-primary);\r\n\r\n}\r\n\r\n\r\n\/* TABLE *\/\r\n\r\n.ccr-au-table-wrap {\r\n\r\n  overflow-x: auto;\r\n\r\n  border:\r\n    1px solid\r\n    var(--ccr-border);\r\n\r\n  border-radius: 10px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-table {\r\n\r\n  width: 100%;\r\n\r\n  border-collapse:\r\n    collapse;\r\n\r\n  min-width: 600px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-table th {\r\n\r\n  background:\r\n    #F9FAFB;\r\n\r\n  font-size: 12px;\r\n\r\n  font-weight: 800;\r\n\r\n  text-align: left;\r\n\r\n  padding: 12px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-table td {\r\n\r\n  padding: 12px;\r\n\r\n  border-top:\r\n    1px solid\r\n    var(--ccr-border);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-table tbody tr:hover {\r\n\r\n  background:\r\n    #FAF5FF;\r\n\r\n}\r\n\r\n\r\n.ccr-au-table td:last-child {\r\n\r\n  color:\r\n    var(--ccr-primary-dark);\r\n\r\n  font-weight: 700;\r\n\r\n}\r\n\r\n\r\n\/* CHART *\/\r\n\r\n.ccr-au-chart {\r\n\r\n  width: 100%;\r\n\r\n  height: 300px;\r\n\r\n  padding: 15px;\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--ccr-border);\r\n\r\n  border-radius: 10px;\r\n\r\n}\r\n\r\n\r\n#ccr-au-chart-canvas {\r\n\r\n  width: 100%;\r\n\r\n  height: 100%;\r\n\r\n}\r\n\r\n\r\n\/* SAVINGS *\/\r\n\r\n.ccr-au-saving-box {\r\n\r\n  display: flex;\r\n\r\n  justify-content: space-between;\r\n\r\n  align-items: center;\r\n\r\n  gap: 15px;\r\n\r\n  margin-top: 25px;\r\n\r\n  padding: 20px;\r\n\r\n  border:\r\n    1px solid\r\n    #BBF7D0;\r\n\r\n  border-radius: 11px;\r\n\r\n  background:\r\n    var(--ccr-green-bg);\r\n\r\n}\r\n\r\n\r\n.ccr-au-saving-box strong {\r\n\r\n  display: block;\r\n\r\n}\r\n\r\n\r\n.ccr-au-saving-box small {\r\n\r\n  display: block;\r\n\r\n  margin-top: 4px;\r\n\r\n  color:\r\n    var(--ccr-muted);\r\n\r\n}\r\n\r\n\r\n.ccr-au-saving-box > span {\r\n\r\n  color:\r\n    var(--ccr-green);\r\n\r\n  font-size: 24px;\r\n\r\n  font-weight: 800;\r\n\r\n}\r\n\r\n\r\n\/* SEO CONTENT *\/\r\n\r\n.ccr-au-content {\r\n\r\n  margin-top: 30px;\r\n\r\n  padding: 25px;\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--ccr-border);\r\n\r\n  border-radius: 14px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-content h3 {\r\n\r\n  margin:\r\n    0 0 9px;\r\n\r\n  font-size: 21px;\r\n\r\n}\r\n\r\n\r\n.ccr-au-content p {\r\n\r\n  margin:\r\n    0 0 25px;\r\n\r\n  color:\r\n    #4B5563;\r\n\r\n  font-size: 15px;\r\n\r\n}\r\n\r\n\r\n\/* DISCLAIMER *\/\r\n\r\n.ccr-au-disclaimer {\r\n\r\n  margin-top: 25px;\r\n\r\n  padding-top: 18px;\r\n\r\n  border-top:\r\n    1px solid\r\n    var(--ccr-border);\r\n\r\n  color:\r\n    var(--ccr-muted);\r\n\r\n  font-size: 11px;\r\n\r\n  line-height: 1.7;\r\n\r\n}\r\n\r\n\r\n\/* RESPONSIVE *\/\r\n\r\n@media(max-width:850px) {\r\n\r\n  .ccr-au-main {\r\n\r\n    grid-template-columns:\r\n      1fr;\r\n\r\n  }\r\n\r\n  .ccr-au-input-panel {\r\n\r\n    position: static;\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:700px) {\r\n\r\n  .ccr-au-stat-grid {\r\n\r\n    grid-template-columns:\r\n      1fr 1fr;\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:550px) {\r\n\r\n  #ccr-au-calculator {\r\n\r\n    margin:\r\n      15px auto;\r\n\r\n  }\r\n\r\n  .ccr-au-hero h2 {\r\n\r\n    font-size: 26px;\r\n\r\n  }\r\n\r\n  .ccr-au-result-banner {\r\n\r\n    flex-direction: column;\r\n\r\n  }\r\n\r\n  .ccr-au-banner-right {\r\n\r\n    text-align: left;\r\n\r\n  }\r\n\r\n  .ccr-au-target-grid {\r\n\r\n    grid-template-columns:\r\n      1fr;\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:400px) {\r\n\r\n  .ccr-au-stat-grid {\r\n\r\n    grid-template-columns:\r\n      1fr;\r\n\r\n  }\r\n\r\n  .ccr-au-input-panel {\r\n\r\n    padding: 17px;\r\n\r\n  }\r\n\r\n}\r\n\r\n<\/style>\r\n\r\n\r\n<script>\r\n\r\n(function() {\r\n\r\n  \"use strict\";\r\n\r\n\r\n  \/* ==========================\r\n     HELPERS\r\n  ========================== *\/\r\n\r\n  function getNumber(id) {\r\n\r\n    var el =\r\n      document.getElementById(id);\r\n\r\n    if (!el) return 0;\r\n\r\n    var value =\r\n      parseFloat(el.value);\r\n\r\n    return isFinite(value)\r\n      ? value\r\n      : 0;\r\n\r\n  }\r\n\r\n\r\n  function money(value) {\r\n\r\n    if (!isFinite(value)) {\r\n\r\n      return \"$0.00\";\r\n\r\n    }\r\n\r\n    return \"$\" +\r\n      value.toLocaleString(\r\n        \"en-AU\",\r\n        {\r\n          minimumFractionDigits: 2,\r\n          maximumFractionDigits: 2\r\n        }\r\n      );\r\n\r\n  }\r\n\r\n\r\n  function timeText(months) {\r\n\r\n    if (!months) {\r\n\r\n      return \"\u2014\";\r\n\r\n    }\r\n\r\n\r\n    var years =\r\n      Math.floor(months \/ 12);\r\n\r\n    var remaining =\r\n      months % 12;\r\n\r\n\r\n    if (years === 0) {\r\n\r\n      return months +\r\n        (\r\n          months === 1\r\n            ? \" month\"\r\n            : \" months\"\r\n        );\r\n\r\n    }\r\n\r\n\r\n    if (remaining === 0) {\r\n\r\n      return years +\r\n        (\r\n          years === 1\r\n            ? \" year\"\r\n            : \" years\"\r\n        );\r\n\r\n    }\r\n\r\n\r\n    return years +\r\n      (\r\n        years === 1\r\n          ? \" year \"\r\n          : \" years \"\r\n      ) +\r\n      remaining +\r\n      (\r\n        remaining === 1\r\n          ? \" month\"\r\n          : \" months\"\r\n      );\r\n\r\n  }\r\n\r\n\r\n  function payoffDate(months) {\r\n\r\n    var date =\r\n      new Date();\r\n\r\n    date.setMonth(\r\n      date.getMonth() + months\r\n    );\r\n\r\n\r\n    return date.toLocaleDateString(\r\n      \"en-AU\",\r\n      {\r\n        month: \"long\",\r\n        year: \"numeric\"\r\n      }\r\n    );\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================\r\n     PAYOFF ENGINE\r\n  ========================== *\/\r\n\r\n  function calculatePayoff(\r\n    balance,\r\n    rate,\r\n    payment\r\n  ) {\r\n\r\n    if (\r\n      balance <= 0 ||\r\n      payment <= 0\r\n    ) {\r\n\r\n      return {\r\n        impossible: true\r\n      };\r\n\r\n    }\r\n\r\n\r\n    var monthlyRate =\r\n      rate \/ 100 \/ 12;\r\n\r\n\r\n    var remaining =\r\n      balance;\r\n\r\n\r\n    var totalInterest = 0;\r\n\r\n    var months = 0;\r\n\r\n    var schedule = [];\r\n\r\n\r\n    \/* ZERO INTEREST *\/\r\n\r\n    if (monthlyRate === 0) {\r\n\r\n      while (\r\n        remaining > 0 &&\r\n        months < 1200\r\n      ) {\r\n\r\n        var actual =\r\n          Math.min(\r\n            payment,\r\n            remaining\r\n          );\r\n\r\n\r\n        var principal =\r\n          actual;\r\n\r\n\r\n        remaining -= principal;\r\n\r\n        months++;\r\n\r\n\r\n        schedule.push({\r\n\r\n          month: months,\r\n\r\n          payment: actual,\r\n\r\n          interest: 0,\r\n\r\n          principal: principal,\r\n\r\n          balance:\r\n            Math.max(\r\n              0,\r\n              remaining\r\n            )\r\n\r\n        });\r\n\r\n      }\r\n\r\n\r\n      return {\r\n\r\n        months: months,\r\n\r\n        interest: 0,\r\n\r\n        total: balance,\r\n\r\n        schedule: schedule\r\n\r\n      };\r\n\r\n    }\r\n\r\n\r\n    \/* PAYMENT TOO LOW *\/\r\n\r\n    var firstInterest =\r\n      balance * monthlyRate;\r\n\r\n\r\n    if (\r\n      payment <= firstInterest\r\n    ) {\r\n\r\n      return {\r\n\r\n        impossible: true,\r\n\r\n        firstInterest:\r\n          firstInterest\r\n\r\n      };\r\n\r\n    }\r\n\r\n\r\n    \/* MONTHLY REPAYMENT *\/\r\n\r\n    while (\r\n      remaining > 0 &&\r\n      months < 1200\r\n    ) {\r\n\r\n      var interest =\r\n        remaining *\r\n        monthlyRate;\r\n\r\n\r\n      var principal =\r\n        payment -\r\n        interest;\r\n\r\n\r\n      if (principal <= 0) {\r\n\r\n        return {\r\n\r\n          impossible: true,\r\n\r\n          firstInterest:\r\n            firstInterest\r\n\r\n        };\r\n\r\n      }\r\n\r\n\r\n      var actualPayment =\r\n        payment;\r\n\r\n\r\n      if (\r\n        payment >=\r\n        remaining + interest\r\n      ) {\r\n\r\n        actualPayment =\r\n          remaining + interest;\r\n\r\n        principal =\r\n          remaining;\r\n\r\n        remaining = 0;\r\n\r\n      } else {\r\n\r\n        remaining -= principal;\r\n\r\n      }\r\n\r\n\r\n      totalInterest += interest;\r\n\r\n      months++;\r\n\r\n\r\n      schedule.push({\r\n\r\n        month: months,\r\n\r\n        payment:\r\n          actualPayment,\r\n\r\n        interest:\r\n          interest,\r\n\r\n        principal:\r\n          principal,\r\n\r\n        balance:\r\n          Math.max(\r\n            0,\r\n            remaining\r\n          )\r\n\r\n      });\r\n\r\n    }\r\n\r\n\r\n    if (months >= 1200) {\r\n\r\n      return {\r\n\r\n        impossible: true\r\n\r\n      };\r\n\r\n    }\r\n\r\n\r\n    return {\r\n\r\n      months: months,\r\n\r\n      interest:\r\n        totalInterest,\r\n\r\n      total:\r\n        balance + totalInterest,\r\n\r\n      schedule:\r\n        schedule\r\n\r\n    };\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================\r\n     TARGET PAYMENT\r\n  ========================== *\/\r\n\r\n  function targetPayment(\r\n    balance,\r\n    rate,\r\n    months\r\n  ) {\r\n\r\n    if (\r\n      balance <= 0 ||\r\n      months <= 0\r\n    ) {\r\n\r\n      return 0;\r\n\r\n    }\r\n\r\n\r\n    var monthlyRate =\r\n      rate \/ 100 \/ 12;\r\n\r\n\r\n    if (monthlyRate === 0) {\r\n\r\n      return balance \/ months;\r\n\r\n    }\r\n\r\n\r\n    return (\r\n\r\n      balance *\r\n      monthlyRate *\r\n      Math.pow(\r\n        1 + monthlyRate,\r\n        months\r\n      )\r\n\r\n    ) \/ (\r\n\r\n      Math.pow(\r\n        1 + monthlyRate,\r\n        months\r\n      ) - 1\r\n\r\n    );\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================\r\n     SCHEDULE\r\n  ========================== *\/\r\n\r\n  function renderSchedule(\r\n    schedule\r\n  ) {\r\n\r\n    var body =\r\n      document.getElementById(\r\n        \"ccr-au-schedule-body\"\r\n      );\r\n\r\n\r\n    body.innerHTML = \"\";\r\n\r\n\r\n    var rows =\r\n      Math.min(\r\n        schedule.length,\r\n        60\r\n      );\r\n\r\n\r\n    for (\r\n      var i = 0;\r\n      i < rows;\r\n      i++\r\n    ) {\r\n\r\n      var row =\r\n        schedule[i];\r\n\r\n\r\n      var tr =\r\n        document.createElement(\r\n          \"tr\"\r\n        );\r\n\r\n\r\n      tr.innerHTML =\r\n\r\n        \"<td>\" +\r\n        row.month +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.payment) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.interest) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.principal) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.balance) +\r\n        \"<\/td>\";\r\n\r\n\r\n      body.appendChild(tr);\r\n\r\n    }\r\n\r\n\r\n    if (\r\n      schedule.length > 60\r\n    ) {\r\n\r\n      var tr =\r\n        document.createElement(\r\n          \"tr\"\r\n        );\r\n\r\n\r\n      tr.innerHTML =\r\n\r\n        '<td colspan=\"5\" style=\"text-align:center;color:#6B7280;\">' +\r\n\r\n        \"Showing the first 60 months of the estimated repayment schedule.\" +\r\n\r\n        \"<\/td>\";\r\n\r\n\r\n      body.appendChild(tr);\r\n\r\n    }\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================\r\n     CHART\r\n  ========================== *\/\r\n\r\n  function drawChart(\r\n    schedule\r\n  ) {\r\n\r\n    var canvas =\r\n      document.getElementById(\r\n        \"ccr-au-chart-canvas\"\r\n      );\r\n\r\n\r\n    if (!canvas) return;\r\n\r\n\r\n    var ctx =\r\n      canvas.getContext(\r\n        \"2d\"\r\n      );\r\n\r\n\r\n    var rect =\r\n      canvas.getBoundingClientRect();\r\n\r\n\r\n    var dpr =\r\n      window.devicePixelRatio ||\r\n      1;\r\n\r\n\r\n    canvas.width =\r\n      rect.width * dpr;\r\n\r\n\r\n    canvas.height =\r\n      rect.height * dpr;\r\n\r\n\r\n    ctx.scale(\r\n      dpr,\r\n      dpr\r\n    );\r\n\r\n\r\n    var width =\r\n      rect.width;\r\n\r\n\r\n    var height =\r\n      rect.height;\r\n\r\n\r\n    ctx.clearRect(\r\n      0,\r\n      0,\r\n      width,\r\n      height\r\n    );\r\n\r\n\r\n    if (\r\n      !schedule ||\r\n      !schedule.length\r\n    ) {\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    var max =\r\n      schedule[0].balance +\r\n      schedule[0].principal;\r\n\r\n\r\n    var padding = 35;\r\n\r\n\r\n    function x(index) {\r\n\r\n      return padding +\r\n\r\n        (\r\n          index \/\r\n          schedule.length\r\n        ) *\r\n\r\n        (\r\n          width -\r\n          padding * 2\r\n        );\r\n\r\n    }\r\n\r\n\r\n    function y(value) {\r\n\r\n      return height -\r\n        padding -\r\n\r\n        (\r\n          value \/\r\n          max\r\n        ) *\r\n\r\n        (\r\n          height -\r\n          padding * 2\r\n        );\r\n\r\n    }\r\n\r\n\r\n    \/* GRID *\/\r\n\r\n    ctx.strokeStyle =\r\n      \"#E5E7EB\";\r\n\r\n    ctx.lineWidth = 1;\r\n\r\n\r\n    for (\r\n      var i = 0;\r\n      i <= 4;\r\n      i++\r\n    ) {\r\n\r\n      var gy =\r\n        padding +\r\n\r\n        i *\r\n\r\n        (\r\n          (\r\n            height -\r\n            padding * 2\r\n          ) \/ 4\r\n        );\r\n\r\n\r\n      ctx.beginPath();\r\n\r\n      ctx.moveTo(\r\n        padding,\r\n        gy\r\n      );\r\n\r\n      ctx.lineTo(\r\n        width - padding,\r\n        gy\r\n      );\r\n\r\n      ctx.stroke();\r\n\r\n    }\r\n\r\n\r\n    \/* LINE *\/\r\n\r\n    ctx.beginPath();\r\n\r\n\r\n    schedule.forEach(\r\n      function(row, index) {\r\n\r\n        var px =\r\n          x(index);\r\n\r\n        var py =\r\n          y(row.balance);\r\n\r\n\r\n        if (index === 0) {\r\n\r\n          ctx.moveTo(\r\n            px,\r\n            py\r\n          );\r\n\r\n        } else {\r\n\r\n          ctx.lineTo(\r\n            px,\r\n            py\r\n          );\r\n\r\n        }\r\n\r\n      }\r\n    );\r\n\r\n\r\n    ctx.strokeStyle =\r\n      \"#7C3AED\";\r\n\r\n    ctx.lineWidth = 3;\r\n\r\n    ctx.stroke();\r\n\r\n\r\n    \/* AREA *\/\r\n\r\n    ctx.lineTo(\r\n      x(schedule.length - 1),\r\n      height - padding\r\n    );\r\n\r\n\r\n    ctx.lineTo(\r\n      padding,\r\n      height - padding\r\n    );\r\n\r\n\r\n    ctx.closePath();\r\n\r\n\r\n    ctx.fillStyle =\r\n      \"rgba(124,58,237,.10)\";\r\n\r\n    ctx.fill();\r\n\r\n\r\n    \/* LABELS *\/\r\n\r\n    ctx.fillStyle =\r\n      \"#6B7280\";\r\n\r\n    ctx.font =\r\n      \"11px Arial\";\r\n\r\n\r\n    ctx.fillText(\r\n      money(max),\r\n      4,\r\n      padding\r\n    );\r\n\r\n\r\n    ctx.fillText(\r\n      \"$0\",\r\n      4,\r\n      height - padding\r\n    );\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================\r\n     MAIN CALCULATION\r\n  ========================== *\/\r\n\r\n  function calculate() {\r\n\r\n    var balance =\r\n      getNumber(\r\n        \"ccr-au-balance\"\r\n      );\r\n\r\n\r\n    var rate =\r\n      getNumber(\r\n        \"ccr-au-rate\"\r\n      );\r\n\r\n\r\n    var payment =\r\n      getNumber(\r\n        \"ccr-au-payment\"\r\n      );\r\n\r\n\r\n    var extra =\r\n      getNumber(\r\n        \"ccr-au-extra\"\r\n      );\r\n\r\n\r\n    var error =\r\n      document.getElementById(\r\n        \"ccr-au-error\"\r\n      );\r\n\r\n\r\n    error.style.display =\r\n      \"none\";\r\n\r\n\r\n    if (\r\n      balance <= 0\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Please enter a credit card balance greater than $0.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    if (\r\n      rate < 0\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"The annual interest rate cannot be negative.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    var monthlyPayment =\r\n      payment + extra;\r\n\r\n\r\n    if (\r\n      monthlyPayment <= 0\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Please enter a monthly repayment greater than $0.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    var result =\r\n      calculatePayoff(\r\n        balance,\r\n        rate,\r\n        monthlyPayment\r\n      );\r\n\r\n\r\n    if (\r\n      result.impossible\r\n    ) {\r\n\r\n      error.textContent =\r\n\r\n        \"Your monthly repayment is not high enough to clear this balance at the current interest rate. The estimated first month's interest is \" +\r\n\r\n        money(\r\n          result.firstInterest || 0\r\n        ) +\r\n\r\n        \". Increase your monthly repayment.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    \/* MAIN RESULTS *\/\r\n\r\n    document.getElementById(\r\n      \"ccr-au-date\"\r\n    ).textContent =\r\n      payoffDate(\r\n        result.months\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"ccr-au-time\"\r\n    ).textContent =\r\n      timeText(\r\n        result.months\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"ccr-au-interest\"\r\n    ).textContent =\r\n      money(\r\n        result.interest\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"ccr-au-total\"\r\n    ).textContent =\r\n      money(\r\n        result.total\r\n      );\r\n\r\n\r\n    var firstInterest =\r\n      balance *\r\n      (\r\n        rate \/\r\n        100 \/\r\n        12\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"ccr-au-monthly-interest\"\r\n    ).textContent =\r\n      money(\r\n        firstInterest\r\n      );\r\n\r\n\r\n    var firstPrincipal =\r\n      Math.max(\r\n        0,\r\n        monthlyPayment -\r\n        firstInterest\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"ccr-au-principal\"\r\n    ).textContent =\r\n      money(\r\n        firstPrincipal\r\n      );\r\n\r\n\r\n    \/* SUMMARY *\/\r\n\r\n    document.getElementById(\r\n      \"ccr-au-summary-text\"\r\n    ).textContent =\r\n\r\n      \"With a monthly repayment of \" +\r\n\r\n      money(\r\n        monthlyPayment\r\n      ) +\r\n\r\n      \", you could repay your \" +\r\n\r\n      money(\r\n        balance\r\n      ) +\r\n\r\n      \" credit card balance in approximately \" +\r\n\r\n      timeText(\r\n        result.months\r\n      ) +\r\n\r\n      \". Estimated interest would be \" +\r\n\r\n      money(\r\n        result.interest\r\n      ) +\r\n\r\n      \", assuming the interest rate and repayment remain unchanged and no new purchases or fees are added.\";\r\n\r\n\r\n    \/* TARGETS *\/\r\n\r\n    document.getElementById(\r\n      \"ccr-au-target12\"\r\n    ).textContent =\r\n      money(\r\n        targetPayment(\r\n          balance,\r\n          rate,\r\n          12\r\n        )\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"ccr-au-target24\"\r\n    ).textContent =\r\n      money(\r\n        targetPayment(\r\n          balance,\r\n          rate,\r\n          24\r\n        )\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"ccr-au-target36\"\r\n    ).textContent =\r\n      money(\r\n        targetPayment(\r\n          balance,\r\n          rate,\r\n          36\r\n        )\r\n      );\r\n\r\n\r\n    \/* SCENARIOS *\/\r\n\r\n    var scenarioPayments = [\r\n\r\n      monthlyPayment,\r\n\r\n      monthlyPayment + 50,\r\n\r\n      monthlyPayment + 100,\r\n\r\n      monthlyPayment + 250\r\n\r\n    ];\r\n\r\n\r\n    scenarioPayments.forEach(\r\n      function(\r\n        p,\r\n        index\r\n      ) {\r\n\r\n        var scenario =\r\n          calculatePayoff(\r\n            balance,\r\n            rate,\r\n            p\r\n          );\r\n\r\n\r\n        document.getElementById(\r\n          \"ccr-au-s\" +\r\n          index +\r\n          \"-payment\"\r\n        ).textContent =\r\n          money(p);\r\n\r\n\r\n        if (\r\n          scenario &&\r\n          !scenario.impossible\r\n        ) {\r\n\r\n          document.getElementById(\r\n            \"ccr-au-s\" +\r\n            index +\r\n            \"-time\"\r\n          ).textContent =\r\n            timeText(\r\n              scenario.months\r\n            );\r\n\r\n\r\n          document.getElementById(\r\n            \"ccr-au-s\" +\r\n            index +\r\n            \"-interest\"\r\n          ).textContent =\r\n            money(\r\n              scenario.interest\r\n            );\r\n\r\n\r\n          var saving =\r\n            Math.max(\r\n              0,\r\n              result.interest -\r\n              scenario.interest\r\n            );\r\n\r\n\r\n          document.getElementById(\r\n            \"ccr-au-s\" +\r\n            index +\r\n            \"-saving\"\r\n          ).textContent =\r\n            money(\r\n              saving\r\n            );\r\n\r\n        }\r\n\r\n      }\r\n    );\r\n\r\n\r\n    \/* EXTRA $250 SAVING *\/\r\n\r\n    var plus250 =\r\n      calculatePayoff(\r\n        balance,\r\n        rate,\r\n        monthlyPayment + 250\r\n      );\r\n\r\n\r\n    var saving = 0;\r\n\r\n\r\n    if (\r\n      plus250 &&\r\n      !plus250.impossible\r\n    ) {\r\n\r\n      saving =\r\n        Math.max(\r\n          0,\r\n          result.interest -\r\n          plus250.interest\r\n        );\r\n\r\n    }\r\n\r\n\r\n    document.getElementById(\r\n      \"ccr-au-saving-value\"\r\n    ).textContent =\r\n      money(\r\n        saving\r\n      );\r\n\r\n\r\n    \/* SCHEDULE *\/\r\n\r\n    renderSchedule(\r\n      result.schedule\r\n    );\r\n\r\n\r\n    \/* CHART *\/\r\n\r\n    drawChart(\r\n      result.schedule\r\n    );\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================\r\n     RESET\r\n  ========================== *\/\r\n\r\n  function resetCalculator() {\r\n\r\n    document.getElementById(\r\n      \"ccr-au-balance\"\r\n    ).value =\r\n      \"5000\";\r\n\r\n\r\n    document.getElementById(\r\n      \"ccr-au-rate\"\r\n    ).value =\r\n      \"19.99\";\r\n\r\n\r\n    document.getElementById(\r\n      \"ccr-au-payment\"\r\n    ).value =\r\n      \"250\";\r\n\r\n\r\n    document.getElementById(\r\n      \"ccr-au-extra\"\r\n    ).value =\r\n      \"0\";\r\n\r\n\r\n    calculate();\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================\r\n     EVENTS\r\n  ========================== *\/\r\n\r\n  document.getElementById(\r\n    \"ccr-au-calculate\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    calculate\r\n  );\r\n\r\n\r\n  document.getElementById(\r\n    \"ccr-au-reset\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    resetCalculator\r\n  );\r\n\r\n\r\n  var inputs =\r\n    document.querySelectorAll(\r\n      \"#ccr-au-calculator input\"\r\n    );\r\n\r\n\r\n  inputs.forEach(\r\n    function(input) {\r\n\r\n      input.addEventListener(\r\n        \"keydown\",\r\n        function(event) {\r\n\r\n          if (\r\n            event.key === \"Enter\"\r\n          ) {\r\n\r\n            calculate();\r\n\r\n          }\r\n\r\n        }\r\n      );\r\n\r\n    }\r\n  );\r\n\r\n\r\n  \/* INITIAL CALCULATION *\/\r\n\r\n  calculate();\r\n\r\n\r\n  \/* REDRAW CHART *\/\r\n\r\n  window.addEventListener(\r\n    \"resize\",\r\n    function() {\r\n\r\n      var balance =\r\n        getNumber(\r\n          \"ccr-au-balance\"\r\n        );\r\n\r\n\r\n      var rate =\r\n        getNumber(\r\n          \"ccr-au-rate\"\r\n        );\r\n\r\n\r\n      var payment =\r\n        getNumber(\r\n          \"ccr-au-payment\"\r\n        );\r\n\r\n\r\n      var extra =\r\n        getNumber(\r\n          \"ccr-au-extra\"\r\n        );\r\n\r\n\r\n      if (\r\n        balance > 0\r\n      ) {\r\n\r\n        var result =\r\n          calculatePayoff(\r\n            balance,\r\n            rate,\r\n            payment + extra\r\n          );\r\n\r\n\r\n        if (\r\n          result &&\r\n          !result.impossible\r\n        ) {\r\n\r\n          drawChart(\r\n            result.schedule\r\n          );\r\n\r\n        }\r\n\r\n      }\r\n\r\n    }\r\n  );\r\n\r\n})();\r\n\r\n<\/script>\n<p style=\"text-align: justify;\">The <strong>Credit Card Repayment Calculator Australia<\/strong> is a free online tool designed to help Australians estimate how long it may take to pay off their credit card balance and how much interest they could pay. Enter your current balance, annual interest rate and planned monthly repayment to estimate your debt-free date, total interest, total amount repaid and the portion of your first repayment that goes towards interest and principal. You can also add an extra monthly repayment and compare different repayment amounts to see how paying more could reduce your repayment period and interest costs. The calculator includes estimated repayment amounts for clearing your balance within 12, 24 or 36 months, plus a monthly repayment schedule and balance progress chart. Australian credit card interest may be calculated daily, and fees, new purchases and interest-free periods can affect actual results, so this calculator should be treated as an estimate rather than an exact statement of your account.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Credit Card Repayment Calculator Australia is a free online tool designed to help Australians estimate how long it may [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_theme","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[83],"tags":[],"class_list":["post-710","post","type-post","status-publish","format-standard","hentry","category-calculator"],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"StockMaster Universe","author_link":"https:\/\/www.stockmaster.in\/universe\/author\/unistockadmin\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/www.stockmaster.in\/universe\/category\/debt-personal-finance\/calculator\/\" rel=\"category tag\">Calculator<\/a>","rttpg_excerpt":"The Credit Card Repayment Calculator Australia is a free online tool designed to help Australians estimate how long it may [&hellip;]","_links":{"self":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts\/710","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/comments?post=710"}],"version-history":[{"count":0,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts\/710\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/media?parent=710"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/categories?post=710"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/tags?post=710"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}