See exactly how the minimum payment trap works — and how much you save by paying even a little more each month.
The Minimum Payment Trap
At 36% p.a., paying only minimums on ₹1L takes over 5 years and costs more than ₹1.2L in interest alone — more than the original debt.
Min. Payment
₹5,000
per month
Min. Payoff Time
31 months
~2.6 years
Interest Saved
₹34,320
18 months faster
Total Interest (min)
₹54,995
Coupl helps couples track shared spending, set debt payoff goals, and manage money transparently — matching cards, zero balance.