Credit card revolving interest calculator
Enter the balance, the monthly revolving rate and the months unpaid to see how much the debt grows with compound interest.
Free · no sign-up The values you type stay in your browser: nothing is sent or stored.
Total debt
R$1,481.54
- Accumulated interest
- R$481.54
- The debt grew
- 1.48×
Your result in words
A revolving balance of R$1,000.00 at 14% per month, left unpaid for 3 months, becomes R$1,481.54. That is R$481.54 in interest: the debt got 1.48× bigger.
Growth chart
| Total with interest | Original balance | |
|---|---|---|
| 1 | R$1,140.00 | R$1,000.00 |
| 2 | R$1,299.60 | R$1,000.00 |
| 3 | R$1,481.54 | R$1,000.00 |
Informational estimate, without fees or inflation. Check taxes and charges for your case; the real result may differ.
How it works
What is revolving credit
It is credit the bank grants automatically when you pay less than the full statement. The remaining balance accrues interest, among the highest in the market.
How to get out of revolving credit
Try to swap the debt for one with lower interest, such as installments on the statement, a personal loan or a payroll loan. Compare the total cost first and avoid paying only the minimum.
Formula
How to calculate
D is the debt after n months, S the starting balance and i the monthly rate. Interest accrues on a balance that already includes interest, so the debt grows faster and faster.
Example
With round numbers, so you can check the math:
A revolving balance of R$1,000.00 at 14% per month, left unpaid for 3 months, becomes R$1,481.54. That is R$481.54 in interest: the debt got 1.48× bigger.
Frequently asked questions
Why is revolving credit so expensive?
Because the risk for the bank is high and the rate is charged every month on a balance that already includes interest. In a few months the debt can grow a lot.
Is there a limit on revolving interest?
In Brazil there is a rule that caps total charges at the original value of the debt, but it may change. The calculator does not apply that cap: check the current rules and your bank statement.
Does paying the minimum solve it?
No. The rest goes to revolving credit and starts earning high interest. Whenever possible, pay in full or split the balance at lower interest.
Math checked by the JuntaTudo team · updated on Nov 12, 2026
