How to Pay Off Credit Card Debt (Philippines, 2026)
How long will your utang really take — and what does it cost? Find your balance below for the payoff timeline and total interest at the ~36% cap, plus how much doubling your payment saves.
| Balance | Interest on minimums | Saved if you double up |
|---|---|---|
| ₱10,000 | ₱5,499 | ₱3,432 |
| ₱20,000 | ₱10,999 | ₱6,864 |
| ₱30,000 | ₱16,498 | ₱10,296 |
| ₱50,000 | ₱27,497 | ₱17,160 |
| ₱75,000 | ₱41,246 | ₱25,739 |
| ₱100,000 | ₱54,995 | ₱34,319 |
| ₱150,000 | ₱82,492 | ₱51,479 |
| ₱200,000 | ₱109,989 | ₱68,638 |
These assume one credit card at the BSP finance-charge cap (~3%/month ≈ 36% a year) with a fixed monthly payment. Tap any balance for the full breakdown, the daily interest cost, and the faster-payoff plan. Real minimums decline as the balance drops, which makes minimum-only payoff even longer.
The one rule that clears utang fastest
Pay every peso you can above the minimum, and attack the highest interest rate first (the avalanche method). A ~36% card costs far more than any safe investment earns, so clearing it comes before investing — after a one-month starter emergency fund so a surprise doesn't restart the cycle.
Educational estimates only — not financial advice. Figures assume one card at ~36% APR with a fixed monthly payment; actual minimums, fees, and promo rates vary. Confirm your card's terms and use the utang planner for your exact numbers.
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