Credit Card Minimum Payment Calculator

Find the minimum you must pay on a credit card bill from the balance, the percentage rule and the fixed floor amount.

Enter your numbers

Outstanding balance (taka)

Example: 25000

Minimum payment percent

Example: 5

Fixed floor amount (taka)

Example: 500

Result

Currency

Figures are computed on your device; nothing is sent anywhere.

minPayment = max(balance * percent / 100, floorAmount)

The calculator multiplies the outstanding balance by the percentage rule and divides by one hundred.

It then compares that amount with the fixed minimum set by the bank, usually five hundred taka.

Whichever is larger becomes the minimum payment, because paying less leaves the bill unsettled.

Paying only the minimum every month, because interest then compounds on the remaining balance and the debt lingers.
Forgetting the fixed floor, which in most banks is 500 taka and applies even when the balance is small.

Cardholders use it to see how much they must pay this month to keep the account in good standing.
Families use it to understand the cost of carrying a card balance before the debt grows out of hand.

On a balance of 25000 taka at 5 percent the percentage amount is 1250 taka, which is above the 500 taka floor, so the minimum payment is 1250 taka.

Minimum payment ৳1,250.00

Full balance ৳25,000.00

Remaining after minimum ৳23,750.00

Does paying the minimum avoid interest?

No, any unpaid balance keeps attracting the bank's interest, so paying the full statement amount is the only way to avoid finance charges.

Last updated: 2026-10-03