{"id":755,"date":"2026-08-17T11:00:30","date_gmt":"2026-08-17T11:00:30","guid":{"rendered":"https:\/\/www.stockmaster.in\/universe\/?p=755"},"modified":"2026-08-17T11:04:24","modified_gmt":"2026-08-17T11:04:24","slug":"credit-card-interest-calculator-australia","status":"publish","type":"post","link":"https:\/\/www.stockmaster.in\/universe\/credit-card-interest-calculator-australia\/","title":{"rendered":"Credit Card Interest Calculator Australia"},"content":{"rendered":"<div id=\"ccia-au-calculator\">\r\n\r\n  <div class=\"ccia-container\">\r\n\r\n    <div class=\"ccia-hero\">\r\n\r\n      <div class=\"ccia-badge\">\r\n        AUSTRALIA CREDIT CARD CALCULATOR\r\n      <\/div>\r\n\r\n      <h2>Credit Card Interest Calculator Australia<\/h2>\r\n\r\n      <p>\r\n        Estimate your credit card interest, monthly interest cost,\r\n        repayment time and total amount paid.\r\n      <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"ccia-layout\">\r\n\r\n      <!-- INPUT PANEL -->\r\n\r\n      <div class=\"ccia-input-card\">\r\n\r\n        <h3>Your Credit Card<\/h3>\r\n\r\n\r\n        <div class=\"ccia-field\">\r\n\r\n          <label for=\"ccia-balance\">\r\n            Credit Card Balance\r\n          <\/label>\r\n\r\n          <div class=\"ccia-input\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"ccia-balance\"\r\n              value=\"5000\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"ccia-field\">\r\n\r\n          <label for=\"ccia-purchase-rate\">\r\n            Purchase Interest Rate\r\n          <\/label>\r\n\r\n          <div class=\"ccia-input\">\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"ccia-purchase-rate\"\r\n              value=\"18.99\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n            <span>% p.a.<\/span>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"ccia-field\">\r\n\r\n          <label for=\"ccia-payment\">\r\n            Monthly Repayment\r\n          <\/label>\r\n\r\n          <div class=\"ccia-input\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"ccia-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=\"ccia-field\">\r\n\r\n          <label for=\"ccia-extra\">\r\n            Extra Monthly Repayment\r\n            <small>Optional<\/small>\r\n          <\/label>\r\n\r\n          <div class=\"ccia-input\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"ccia-extra\"\r\n              value=\"0\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"ccia-divider\"><\/div>\r\n\r\n\r\n        <h3 class=\"ccia-subtitle\">\r\n          Optional Cash Advance\r\n        <\/h3>\r\n\r\n\r\n        <div class=\"ccia-field\">\r\n\r\n          <label for=\"ccia-cash\">\r\n            Cash Advance Balance\r\n          <\/label>\r\n\r\n          <div class=\"ccia-input\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"ccia-cash\"\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        <div class=\"ccia-field\">\r\n\r\n          <label for=\"ccia-cash-rate\">\r\n            Cash Advance Rate\r\n          <\/label>\r\n\r\n          <div class=\"ccia-input\">\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"ccia-cash-rate\"\r\n              value=\"21.99\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n            <span>% p.a.<\/span>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"ccia-field\">\r\n\r\n          <label for=\"ccia-fee\">\r\n            Annual Card Fee\r\n          <\/label>\r\n\r\n          <div class=\"ccia-input\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"ccia-fee\"\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=\"ccia-calculate\"\r\n        >\r\n          Calculate Interest\r\n        <\/button>\r\n\r\n\r\n        <button\r\n          type=\"button\"\r\n          id=\"ccia-reset\"\r\n          class=\"ccia-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=\"ccia-results\">\r\n\r\n        <div\r\n          id=\"ccia-error\"\r\n          class=\"ccia-error\"\r\n        ><\/div>\r\n\r\n\r\n        <div class=\"ccia-main-result\">\r\n\r\n          <div>\r\n\r\n            <span>ESTIMATED MONTHLY INTEREST<\/span>\r\n\r\n            <strong id=\"ccia-monthly-interest\">\r\n              $0.00\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"ccia-result-right\">\r\n\r\n            <span>ESTIMATED YEARLY INTEREST<\/span>\r\n\r\n            <strong id=\"ccia-year-interest\">\r\n              $0.00\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- STATS -->\r\n\r\n        <div class=\"ccia-stat-grid\">\r\n\r\n          <div class=\"ccia-stat\">\r\n\r\n            <span>Daily Interest<\/span>\r\n\r\n            <strong id=\"ccia-daily-interest\">\r\n              $0.00\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"ccia-stat\">\r\n\r\n            <span>Annual Fee<\/span>\r\n\r\n            <strong id=\"ccia-annual-fee\">\r\n              $0.00\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"ccia-stat\">\r\n\r\n            <span>Monthly Payment<\/span>\r\n\r\n            <strong id=\"ccia-payment-result\">\r\n              $0.00\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"ccia-stat\">\r\n\r\n            <span>First Month Principal<\/span>\r\n\r\n            <strong id=\"ccia-principal\">\r\n              $0.00\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- INTEREST BREAKDOWN -->\r\n\r\n        <div class=\"ccia-section\">\r\n\r\n          <div class=\"ccia-heading\">\r\n\r\n            <h3>Interest Breakdown<\/h3>\r\n\r\n            <p>\r\n              Estimated interest based on the balances and rates entered.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"ccia-breakdown\">\r\n\r\n            <div class=\"ccia-breakdown-row\">\r\n\r\n              <span>Purchase balance<\/span>\r\n\r\n              <strong id=\"ccia-purchase-balance\">\r\n                $0.00\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"ccia-breakdown-row\">\r\n\r\n              <span>Purchase interest<\/span>\r\n\r\n              <strong id=\"ccia-purchase-interest\">\r\n                $0.00\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"ccia-breakdown-row\">\r\n\r\n              <span>Cash advance balance<\/span>\r\n\r\n              <strong id=\"ccia-cash-balance\">\r\n                $0.00\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"ccia-breakdown-row\">\r\n\r\n              <span>Cash advance interest<\/span>\r\n\r\n              <strong id=\"ccia-cash-interest\">\r\n                $0.00\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"ccia-breakdown-row ccia-total-row\">\r\n\r\n              <span>Total estimated interest<\/span>\r\n\r\n              <strong id=\"ccia-total-interest\">\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        <!-- PAYOFF -->\r\n\r\n        <div class=\"ccia-section\">\r\n\r\n          <div class=\"ccia-heading\">\r\n\r\n            <h3>Credit Card Payoff Estimate<\/h3>\r\n\r\n            <p>\r\n              See how long your balance could take to repay at your\r\n              selected monthly payment.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"ccia-payoff-grid\">\r\n\r\n            <div class=\"ccia-payoff-box\">\r\n\r\n              <span>Payoff Time<\/span>\r\n\r\n              <strong id=\"ccia-payoff-time\">\r\n                \u2014\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"ccia-payoff-box\">\r\n\r\n              <span>Payoff Date<\/span>\r\n\r\n              <strong id=\"ccia-payoff-date\">\r\n                \u2014\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"ccia-payoff-box\">\r\n\r\n              <span>Total Interest<\/span>\r\n\r\n              <strong id=\"ccia-payoff-interest\">\r\n                $0.00\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"ccia-payoff-box\">\r\n\r\n              <span>Total Paid<\/span>\r\n\r\n              <strong id=\"ccia-payoff-total\">\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        <!-- PAYMENT SCENARIOS -->\r\n\r\n        <div class=\"ccia-section\">\r\n\r\n          <div class=\"ccia-heading\">\r\n\r\n            <h3>What If You Pay More?<\/h3>\r\n\r\n            <p>\r\n              Compare different monthly repayments.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"ccia-table-wrap\">\r\n\r\n            <table class=\"ccia-table\">\r\n\r\n              <thead>\r\n\r\n                <tr>\r\n\r\n                  <th>Monthly Payment<\/th>\r\n                  <th>Payoff 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=\"ccia-s0-payment\">$0<\/td>\r\n\r\n                  <td id=\"ccia-s0-time\">\u2014<\/td>\r\n\r\n                  <td id=\"ccia-s0-interest\">$0<\/td>\r\n\r\n                  <td id=\"ccia-s0-saving\">$0<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td id=\"ccia-s1-payment\">$0<\/td>\r\n\r\n                  <td id=\"ccia-s1-time\">\u2014<\/td>\r\n\r\n                  <td id=\"ccia-s1-interest\">$0<\/td>\r\n\r\n                  <td id=\"ccia-s1-saving\">$0<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td id=\"ccia-s2-payment\">$0<\/td>\r\n\r\n                  <td id=\"ccia-s2-time\">\u2014<\/td>\r\n\r\n                  <td id=\"ccia-s2-interest\">$0<\/td>\r\n\r\n                  <td id=\"ccia-s2-saving\">$0<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td id=\"ccia-s3-payment\">$0<\/td>\r\n\r\n                  <td id=\"ccia-s3-time\">\u2014<\/td>\r\n\r\n                  <td id=\"ccia-s3-interest\">$0<\/td>\r\n\r\n                  <td id=\"ccia-s3-saving\">$0<\/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        <!-- MONTHLY SCHEDULE -->\r\n\r\n        <div class=\"ccia-section\">\r\n\r\n          <div class=\"ccia-heading\">\r\n\r\n            <h3>Monthly Interest & Repayment Schedule<\/h3>\r\n\r\n            <p>\r\n              Estimated balance, interest and principal over time.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"ccia-table-wrap ccia-schedule\">\r\n\r\n            <table class=\"ccia-table\">\r\n\r\n              <thead>\r\n\r\n                <tr>\r\n\r\n                  <th>Month<\/th>\r\n                  <th>Payment<\/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=\"ccia-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=\"ccia-saving\">\r\n\r\n          <div>\r\n\r\n            <strong>\r\n              Potential Interest Savings\r\n            <\/strong>\r\n\r\n            <small>\r\n              By paying an additional $100 per month\r\n            <\/small>\r\n\r\n          <\/div>\r\n\r\n\r\n          <span id=\"ccia-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=\"ccia-disclaimer\">\r\n\r\n          <strong>Important:<\/strong>\r\n\r\n          This calculator provides estimates for educational purposes.\r\n          Actual credit card interest can vary by provider and card terms.\r\n          Australian credit cards may use daily interest calculations,\r\n          different rates for purchases and cash advances, interest-free\r\n          periods, fees and other conditions.\r\n\r\n          Check your credit card statement, product disclosure information\r\n          and card provider's terms for the actual calculation method.\r\n\r\n          This calculator does not provide 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=\"ccia-content\">\r\n\r\n      <h3>How to Use the Credit Card Interest Calculator Australia<\/h3>\r\n\r\n      <p>\r\n        Enter your current credit card balance and annual purchase interest\r\n        rate to estimate the interest cost of carrying your balance.\r\n        You can also enter a cash advance balance, cash advance interest\r\n        rate, annual card fee and monthly repayment to create a more\r\n        complete estimate of your credit card costs.\r\n      <\/p>\r\n\r\n\r\n      <h3>How Much Interest Does a Credit Card Charge?<\/h3>\r\n\r\n      <p>\r\n        Credit card interest depends on your outstanding balance,\r\n        interest rate, transaction type and the terms of your card.\r\n        Purchase transactions and cash advances may have different\r\n        interest rates. Cash advances generally do not receive the same\r\n        interest-free treatment as eligible purchases.\r\n      <\/p>\r\n\r\n\r\n      <h3>Can Paying More Reduce Credit Card Interest?<\/h3>\r\n\r\n      <p>\r\n        Paying more toward your credit card balance can reduce the\r\n        outstanding principal faster. A lower balance can mean less\r\n        interest is charged over time. Use the repayment comparison\r\n        above to see how different monthly payment amounts may affect\r\n        your estimated payoff time and interest cost.\r\n      <\/p>\r\n\r\n\r\n      <h3>Interest-Free Days in Australia<\/h3>\r\n\r\n      <p>\r\n        Some Australian credit cards offer interest-free days on eligible\r\n        purchases when their conditions are met. The length and rules\r\n        vary between cards. Cash advances may be treated differently.\r\n        Always check your card's terms and conditions before relying on\r\n        an interest-free period.\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 INTEREST CALCULATOR AUSTRALIA\r\n   PRIMARY COLOUR: #7C3AED\r\n===================================================== *\/\r\n\r\n#ccia-au-calculator {\r\n\r\n  --ccia-primary: #7C3AED;\r\n  --ccia-primary-dark: #6D28D9;\r\n  --ccia-primary-light: #F3E8FF;\r\n\r\n  --ccia-text: #111827;\r\n  --ccia-muted: #6B7280;\r\n\r\n  --ccia-border: #E5E7EB;\r\n  --ccia-green: #15803D;\r\n  --ccia-green-bg: #F0FDF4;\r\n\r\n  --ccia-red: #B91C1C;\r\n  --ccia-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(--ccia-text);\r\n\r\n  line-height: 1.5;\r\n}\r\n\r\n\r\n#ccia-au-calculator *,\r\n#ccia-au-calculator *::before,\r\n#ccia-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.ccia-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.ccia-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(--ccia-primary-light);\r\n\r\n  color:\r\n    var(--ccia-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.ccia-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.ccia-hero p {\r\n\r\n  max-width: 720px;\r\n\r\n  margin: auto;\r\n\r\n  color:\r\n    var(--ccia-muted);\r\n\r\n  font-size: 15px;\r\n\r\n}\r\n\r\n\r\n\/* LAYOUT *\/\r\n\r\n.ccia-layout {\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 CARD *\/\r\n\r\n.ccia-input-card {\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--ccia-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.ccia-input-card 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.ccia-subtitle {\r\n\r\n  margin-top: 0 !important;\r\n\r\n  font-size: 16px !important;\r\n\r\n}\r\n\r\n\r\n.ccia-field {\r\n\r\n  margin-bottom: 17px;\r\n\r\n}\r\n\r\n\r\n.ccia-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.ccia-field label small {\r\n\r\n  float: right;\r\n\r\n  color:\r\n    var(--ccia-muted);\r\n\r\n  font-weight: 400;\r\n\r\n}\r\n\r\n\r\n.ccia-input {\r\n\r\n  height: 48px;\r\n\r\n  display: flex;\r\n\r\n  align-items: center;\r\n\r\n  overflow: hidden;\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}\r\n\r\n\r\n.ccia-input:focus-within {\r\n\r\n  border-color:\r\n    var(--ccia-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.ccia-input span {\r\n\r\n  padding:\r\n    0 12px;\r\n\r\n  color:\r\n    var(--ccia-muted);\r\n\r\n  font-weight: 600;\r\n\r\n}\r\n\r\n\r\n.ccia-input 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  background: transparent;\r\n\r\n}\r\n\r\n\r\n.ccia-divider {\r\n\r\n  height: 1px;\r\n\r\n  background:\r\n    var(--ccia-border);\r\n\r\n  margin:\r\n    22px 0;\r\n\r\n}\r\n\r\n\r\n#ccia-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(--ccia-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}\r\n\r\n\r\n#ccia-calculate:hover {\r\n\r\n  background:\r\n    var(--ccia-primary-dark);\r\n\r\n}\r\n\r\n\r\n.ccia-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(--ccia-muted);\r\n\r\n  cursor: pointer;\r\n\r\n}\r\n\r\n\r\n\/* ERROR *\/\r\n\r\n.ccia-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(--ccia-red-bg);\r\n\r\n  color:\r\n    var(--ccia-red);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* MAIN RESULT *\/\r\n\r\n.ccia-main-result {\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(--ccia-primary),\r\n      var(--ccia-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.ccia-main-result 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.ccia-main-result strong {\r\n\r\n  font-size: 25px;\r\n\r\n}\r\n\r\n\r\n.ccia-result-right {\r\n\r\n  text-align: right;\r\n\r\n}\r\n\r\n\r\n\/* STATS *\/\r\n\r\n.ccia-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.ccia-stat {\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--ccia-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.ccia-stat span {\r\n\r\n  display: block;\r\n\r\n  color:\r\n    var(--ccia-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.ccia-stat strong {\r\n\r\n  font-size: 18px;\r\n\r\n}\r\n\r\n\r\n\/* SECTION *\/\r\n\r\n.ccia-section {\r\n\r\n  margin-top: 25px;\r\n\r\n}\r\n\r\n\r\n.ccia-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.ccia-heading p {\r\n\r\n  margin:\r\n    0 0 14px;\r\n\r\n  color:\r\n    var(--ccia-muted);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* BREAKDOWN *\/\r\n\r\n.ccia-breakdown {\r\n\r\n  border:\r\n    1px solid\r\n    var(--ccia-border);\r\n\r\n  border-radius: 10px;\r\n\r\n  overflow: hidden;\r\n\r\n}\r\n\r\n\r\n.ccia-breakdown-row {\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: 13px;\r\n\r\n  border-bottom:\r\n    1px solid\r\n    var(--ccia-border);\r\n\r\n  font-size: 14px;\r\n\r\n}\r\n\r\n\r\n.ccia-breakdown-row:last-child {\r\n\r\n  border-bottom: 0;\r\n\r\n}\r\n\r\n\r\n.ccia-total-row {\r\n\r\n  background:\r\n    var(--ccia-primary-light);\r\n\r\n  font-weight: 800;\r\n\r\n}\r\n\r\n\r\n\/* PAYOFF *\/\r\n\r\n.ccia-payoff-grid {\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    repeat(4,1fr);\r\n\r\n  gap: 10px;\r\n\r\n}\r\n\r\n\r\n.ccia-payoff-box {\r\n\r\n  padding: 17px 10px;\r\n\r\n  text-align: center;\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--ccia-border);\r\n\r\n  border-radius: 10px;\r\n\r\n}\r\n\r\n\r\n.ccia-payoff-box span {\r\n\r\n  display: block;\r\n\r\n  color:\r\n    var(--ccia-muted);\r\n\r\n  font-size: 12px;\r\n\r\n}\r\n\r\n\r\n.ccia-payoff-box strong {\r\n\r\n  display: block;\r\n\r\n  margin-top: 5px;\r\n\r\n  color:\r\n    var(--ccia-primary);\r\n\r\n  font-size: 18px;\r\n\r\n}\r\n\r\n\r\n\/* TABLE *\/\r\n\r\n.ccia-table-wrap {\r\n\r\n  overflow-x: auto;\r\n\r\n  border:\r\n    1px solid\r\n    var(--ccia-border);\r\n\r\n  border-radius: 10px;\r\n\r\n}\r\n\r\n\r\n.ccia-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.ccia-table th {\r\n\r\n  background: #F9FAFB;\r\n\r\n  padding: 12px;\r\n\r\n  text-align: left;\r\n\r\n  font-size: 12px;\r\n\r\n  font-weight: 800;\r\n\r\n}\r\n\r\n\r\n.ccia-table td {\r\n\r\n  padding: 12px;\r\n\r\n  border-top:\r\n    1px solid\r\n    var(--ccia-border);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n.ccia-table tbody tr:hover {\r\n\r\n  background:\r\n    #FAF5FF;\r\n\r\n}\r\n\r\n\r\n.ccia-table td:last-child {\r\n\r\n  color:\r\n    var(--ccia-primary-dark);\r\n\r\n  font-weight: 700;\r\n\r\n}\r\n\r\n\r\n\/* SAVING *\/\r\n\r\n.ccia-saving {\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  background:\r\n    var(--ccia-green-bg);\r\n\r\n  border:\r\n    1px solid\r\n    #BBF7D0;\r\n\r\n  border-radius: 11px;\r\n\r\n}\r\n\r\n\r\n.ccia-saving strong {\r\n\r\n  display: block;\r\n\r\n}\r\n\r\n\r\n.ccia-saving small {\r\n\r\n  display: block;\r\n\r\n  margin-top: 4px;\r\n\r\n  color:\r\n    var(--ccia-muted);\r\n\r\n}\r\n\r\n\r\n.ccia-saving > span {\r\n\r\n  color:\r\n    var(--ccia-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\/* CONTENT *\/\r\n\r\n.ccia-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(--ccia-border);\r\n\r\n  border-radius: 14px;\r\n\r\n}\r\n\r\n\r\n.ccia-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.ccia-content p {\r\n\r\n  margin:\r\n    0 0 25px;\r\n\r\n  color: #4B5563;\r\n\r\n  font-size: 15px;\r\n\r\n}\r\n\r\n\r\n\/* DISCLAIMER *\/\r\n\r\n.ccia-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(--ccia-border);\r\n\r\n  color:\r\n    var(--ccia-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\/* MOBILE *\/\r\n\r\n@media(max-width:850px) {\r\n\r\n  .ccia-layout {\r\n\r\n    grid-template-columns: 1fr;\r\n\r\n  }\r\n\r\n  .ccia-input-card {\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  .ccia-stat-grid {\r\n\r\n    grid-template-columns:\r\n      1fr 1fr;\r\n\r\n  }\r\n\r\n  .ccia-payoff-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  .ccia-hero h2 {\r\n\r\n    font-size: 26px;\r\n\r\n  }\r\n\r\n  .ccia-main-result {\r\n\r\n    flex-direction: column;\r\n\r\n  }\r\n\r\n  .ccia-result-right {\r\n\r\n    text-align: left;\r\n\r\n  }\r\n\r\n  .ccia-saving {\r\n\r\n    flex-direction: column;\r\n\r\n    align-items: flex-start;\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:400px) {\r\n\r\n  .ccia-stat-grid {\r\n\r\n    grid-template-columns:\r\n      1fr;\r\n\r\n  }\r\n\r\n  .ccia-payoff-grid {\r\n\r\n    grid-template-columns:\r\n      1fr;\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 num(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 futureDate(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 payoff(\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 interestTotal = 0;\r\n\r\n    var months = 0;\r\n\r\n    var schedule = [];\r\n\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 p =\r\n          Math.min(\r\n            payment,\r\n            remaining\r\n          );\r\n\r\n\r\n        remaining -= p;\r\n\r\n        months++;\r\n\r\n\r\n        schedule.push({\r\n\r\n          month: months,\r\n\r\n          payment: p,\r\n\r\n          interest: 0,\r\n\r\n          principal: p,\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    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    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 actual =\r\n        payment;\r\n\r\n\r\n      if (\r\n        payment >=\r\n        remaining + interest\r\n      ) {\r\n\r\n        actual =\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      interestTotal +=\r\n        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: actual,\r\n\r\n        interest: interest,\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    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        interestTotal,\r\n\r\n      total:\r\n        balance + interestTotal,\r\n\r\n      schedule:\r\n        schedule\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        \"ccia-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 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     CALCULATE\r\n  ================================= *\/\r\n\r\n  function calculate() {\r\n\r\n    var balance =\r\n      num(\r\n        \"ccia-balance\"\r\n      );\r\n\r\n\r\n    var purchaseRate =\r\n      num(\r\n        \"ccia-purchase-rate\"\r\n      );\r\n\r\n\r\n    var payment =\r\n      num(\r\n        \"ccia-payment\"\r\n      );\r\n\r\n\r\n    var extra =\r\n      num(\r\n        \"ccia-extra\"\r\n      );\r\n\r\n\r\n    var cashBalance =\r\n      num(\r\n        \"ccia-cash\"\r\n      );\r\n\r\n\r\n    var cashRate =\r\n      num(\r\n        \"ccia-cash-rate\"\r\n      );\r\n\r\n\r\n    var annualFee =\r\n      num(\r\n        \"ccia-fee\"\r\n      );\r\n\r\n\r\n    var error =\r\n      document.getElementById(\r\n        \"ccia-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      cashBalance <= 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      purchaseRate < 0 ||\r\n      cashRate < 0\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Interest rates 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    \/*\r\n     * DAILY INTEREST ESTIMATE\r\n     *\r\n     * Uses annual rate \/ 365.\r\n     * Actual issuer calculation may differ.\r\n     *\/\r\n\r\n    var purchaseDaily =\r\n      balance *\r\n      (\r\n        purchaseRate \/\r\n        100 \/\r\n        365\r\n      );\r\n\r\n\r\n    var cashDaily =\r\n      cashBalance *\r\n      (\r\n        cashRate \/\r\n        100 \/\r\n        365\r\n      );\r\n\r\n\r\n    var dailyInterest =\r\n      purchaseDaily +\r\n      cashDaily;\r\n\r\n\r\n    var monthlyInterest =\r\n      dailyInterest *\r\n      30.4375;\r\n\r\n\r\n    var yearlyInterest =\r\n      dailyInterest *\r\n      365;\r\n\r\n\r\n    var purchaseMonthlyInterest =\r\n      purchaseDaily *\r\n      30.4375;\r\n\r\n\r\n    var cashMonthlyInterest =\r\n      cashDaily *\r\n      30.4375;\r\n\r\n\r\n    \/* RESULTS *\/\r\n\r\n    document.getElementById(\r\n      \"ccia-daily-interest\"\r\n    ).textContent =\r\n      money(\r\n        dailyInterest\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"ccia-monthly-interest\"\r\n    ).textContent =\r\n      money(\r\n        monthlyInterest\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"ccia-year-interest\"\r\n    ).textContent =\r\n      money(\r\n        yearlyInterest\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"ccia-annual-fee\"\r\n    ).textContent =\r\n      money(\r\n        annualFee\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"ccia-payment-result\"\r\n    ).textContent =\r\n      money(\r\n        monthlyPayment\r\n      );\r\n\r\n\r\n    var principal =\r\n      Math.max(\r\n        0,\r\n        monthlyPayment -\r\n        monthlyInterest\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"ccia-principal\"\r\n    ).textContent =\r\n      money(\r\n        principal\r\n      );\r\n\r\n\r\n    \/* BREAKDOWN *\/\r\n\r\n    document.getElementById(\r\n      \"ccia-purchase-balance\"\r\n    ).textContent =\r\n      money(\r\n        balance\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"ccia-purchase-interest\"\r\n    ).textContent =\r\n      money(\r\n        purchaseMonthlyInterest\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"ccia-cash-balance\"\r\n    ).textContent =\r\n      money(\r\n        cashBalance\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"ccia-cash-interest\"\r\n    ).textContent =\r\n      money(\r\n        cashMonthlyInterest\r\n      );\r\n\r\n\r\n    var totalMonthlyInterest =\r\n      purchaseMonthlyInterest +\r\n      cashMonthlyInterest;\r\n\r\n\r\n    document.getElementById(\r\n      \"ccia-total-interest\"\r\n    ).textContent =\r\n      money(\r\n        totalMonthlyInterest\r\n      );\r\n\r\n\r\n    \/* PAYOFF *\/\r\n\r\n    var totalBalance =\r\n      balance +\r\n      cashBalance;\r\n\r\n\r\n    \/*\r\n     * For payoff estimate we use\r\n     * the purchase rate when there\r\n     * is no cash advance.\r\n     *\r\n     * If cash advance exists, use\r\n     * weighted average rate.\r\n     *\/\r\n\r\n    var effectiveRate =\r\n      purchaseRate;\r\n\r\n\r\n    if (\r\n      totalBalance > 0 &&\r\n      cashBalance > 0\r\n    ) {\r\n\r\n      effectiveRate =\r\n        (\r\n          balance *\r\n          purchaseRate +\r\n          cashBalance *\r\n          cashRate\r\n        ) \/\r\n        totalBalance;\r\n\r\n    }\r\n\r\n\r\n    if (\r\n      monthlyPayment > 0\r\n    ) {\r\n\r\n      var result =\r\n        payoff(\r\n          totalBalance,\r\n          effectiveRate,\r\n          monthlyPayment\r\n        );\r\n\r\n\r\n      if (\r\n        result &&\r\n        !result.impossible\r\n      ) {\r\n\r\n        document.getElementById(\r\n          \"ccia-payoff-time\"\r\n        ).textContent =\r\n          timeText(\r\n            result.months\r\n          );\r\n\r\n\r\n        document.getElementById(\r\n          \"ccia-payoff-date\"\r\n        ).textContent =\r\n          futureDate(\r\n            result.months\r\n          );\r\n\r\n\r\n        document.getElementById(\r\n          \"ccia-payoff-interest\"\r\n        ).textContent =\r\n          money(\r\n            result.interest\r\n          );\r\n\r\n\r\n        document.getElementById(\r\n          \"ccia-payoff-total\"\r\n        ).textContent =\r\n          money(\r\n            result.total\r\n          );\r\n\r\n\r\n        renderSchedule(\r\n          result.schedule\r\n        );\r\n\r\n\r\n        \/*\r\n         * PAYMENT SCENARIOS\r\n         *\/\r\n\r\n        var payments = [\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        payments.forEach(\r\n          function(p, index) {\r\n\r\n            var scenario =\r\n              payoff(\r\n                totalBalance,\r\n                effectiveRate,\r\n                p\r\n              );\r\n\r\n\r\n            document.getElementById(\r\n              \"ccia-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                \"ccia-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                \"ccia-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                \"ccia-s\" +\r\n                index +\r\n                \"-saving\"\r\n              ).textContent =\r\n                money(\r\n                  saving\r\n                );\r\n\r\n            } else {\r\n\r\n              document.getElementById(\r\n                \"ccia-s\" +\r\n                index +\r\n                \"-time\"\r\n              ).textContent =\r\n                \"Not possible\";\r\n\r\n              document.getElementById(\r\n                \"ccia-s\" +\r\n                index +\r\n                \"-interest\"\r\n              ).textContent =\r\n                \"\u2014\";\r\n\r\n              document.getElementById(\r\n                \"ccia-s\" +\r\n                index +\r\n                \"-saving\"\r\n              ).textContent =\r\n                \"\u2014\";\r\n\r\n            }\r\n\r\n          }\r\n        );\r\n\r\n\r\n        \/*\r\n         * $100 EXTRA SAVING\r\n         *\/\r\n\r\n        var plus100 =\r\n          payoff(\r\n            totalBalance,\r\n            effectiveRate,\r\n            monthlyPayment + 100\r\n          );\r\n\r\n\r\n        var saving =\r\n          0;\r\n\r\n\r\n        if (\r\n          plus100 &&\r\n          !plus100.impossible\r\n        ) {\r\n\r\n          saving =\r\n            Math.max(\r\n              0,\r\n              result.interest -\r\n              plus100.interest\r\n            );\r\n\r\n        }\r\n\r\n\r\n        document.getElementById(\r\n          \"ccia-saving-value\"\r\n        ).textContent =\r\n          money(\r\n            saving\r\n          );\r\n\r\n      } else {\r\n\r\n        document.getElementById(\r\n          \"ccia-payoff-time\"\r\n        ).textContent =\r\n          \"Payment too low\";\r\n\r\n        document.getElementById(\r\n          \"ccia-payoff-date\"\r\n        ).textContent =\r\n          \"\u2014\";\r\n\r\n        document.getElementById(\r\n          \"ccia-payoff-interest\"\r\n        ).textContent =\r\n          \"\u2014\";\r\n\r\n        document.getElementById(\r\n          \"ccia-payoff-total\"\r\n        ).textContent =\r\n          \"\u2014\";\r\n\r\n      }\r\n\r\n    }\r\n\r\n  }\r\n\r\n\r\n  \/* ================================\r\n     RESET\r\n  ================================= *\/\r\n\r\n  function reset() {\r\n\r\n    document.getElementById(\r\n      \"ccia-balance\"\r\n    ).value =\r\n      \"5000\";\r\n\r\n\r\n    document.getElementById(\r\n      \"ccia-purchase-rate\"\r\n    ).value =\r\n      \"18.99\";\r\n\r\n\r\n    document.getElementById(\r\n      \"ccia-payment\"\r\n    ).value =\r\n      \"250\";\r\n\r\n\r\n    document.getElementById(\r\n      \"ccia-extra\"\r\n    ).value =\r\n      \"0\";\r\n\r\n\r\n    document.getElementById(\r\n      \"ccia-cash\"\r\n    ).value =\r\n      \"0\";\r\n\r\n\r\n    document.getElementById(\r\n      \"ccia-cash-rate\"\r\n    ).value =\r\n      \"21.99\";\r\n\r\n\r\n    document.getElementById(\r\n      \"ccia-fee\"\r\n    ).value =\r\n      \"0\";\r\n\r\n\r\n    calculate();\r\n\r\n  }\r\n\r\n\r\n  \/* EVENTS *\/\r\n\r\n  document.getElementById(\r\n    \"ccia-calculate\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    calculate\r\n  );\r\n\r\n\r\n  document.getElementById(\r\n    \"ccia-reset\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    reset\r\n  );\r\n\r\n\r\n  var inputs =\r\n    document.querySelectorAll(\r\n      \"#ccia-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\r\n<\/script>\n<p style=\"text-align: justify;\">The <strong>Credit Card Interest Calculator Australia<\/strong> is a free online tool designed to help Australians estimate how much interest they may pay on an outstanding credit card balance. Enter your credit card balance, purchase interest rate, monthly repayment and any additional payment to estimate daily, monthly and yearly interest costs. The calculator also allows you to include a separate cash advance balance, cash advance interest rate and annual card fee for a broader estimate of your credit card costs. You can compare different repayment amounts to see how paying more each month may reduce your estimated payoff time and total interest. Australian credit cards can have different interest rates, fees and conditions, and some cards offer interest-free days when specific conditions are met. The results from this calculator are estimates for educational purposes only and may differ from the calculations used by your card provider.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Credit Card Interest Calculator Australia is a free online tool designed to help Australians estimate how much interest they [&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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","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":"","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":""}},"ast-content-background-meta":{"desktop":{"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":""},"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-755","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 Interest Calculator Australia is a free online tool designed to help Australians estimate how much interest they [&hellip;]","_links":{"self":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts\/755","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=755"}],"version-history":[{"count":0,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts\/755\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/media?parent=755"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/categories?post=755"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/tags?post=755"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}