Free tool

Indigo Card Calculator

Two calculators in one: estimate your monthly loan payment, or find out how long it will take to pay off a credit card balance — and how much interest it will cost.

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2Calculators
0Credit checks
12-moSchedule
Using the Indigo Card payment calculator
Instant resultsNo signup, 100% private
Two calculators

Estimate your payment

Switch tabs to compare an installment loan with paying down a card balance.

$200$5,000
6 mo36 mo
5.99%35.99%
0%5%
Estimated monthly payment
$127.09
Total interest$550.14
Origination fee$0.00
Total cost of loan$3,050.14
You receive$2,500.00
PrincipalInterest & fees
At this APR, interest adds more than 30% to your cost. A shorter term or a better credit tier could save you money.
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First 12 months of payments

MonthPaymentPrincipalInterestBalance
Understand the numbers

How to read your results

How the loan math works

Payments use standard amortization: M = P × r(1+r)ⁿ ÷ ((1+r)ⁿ − 1), where r is the monthly rate and n the number of months.

APR vs interest rate

APR includes fees like origination, so it's the best number for comparing offers from different lenders.

Why utilization matters

Credit utilization is about 30% of a FICO score. Keeping card balances under 30% of the limit — ideally under 10% — helps your score.

Turn the estimate into a real offer

Pre-qualify in 60 seconds with no impact to your credit score.

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