The credit card balance restructuring calculator provided by Hesapstan converts an existing balance into fixed installments and caps the entered monthly rate at TCMB’s 3.11% July 2026 restructuring ceiling.
Calculation
The annuity formula uses balance, monthly rate and months to show payment, total repayment and additional cost.
The tool rejects rates above 3.11%; a bank may offer a lower rate.
Scope
This is not an offer or eligibility decision. Term, eligibility, taxes and fees depend on the bank.
- It restructures existing debt, not a new purchase.
- Late and legal collection costs are excluded.
- The TCMB ceiling may change by period.
Comparison example
For a 30,000 TL balance, 3% monthly rate and 12 months, the tool shows the fixed installment, total repayment and total interest. If the rate exceeds the 3.11% ceiling, the calculation is rejected.
Enter the balance to be restructured; new card limit, approval, insurance or campaign discounts are not calculated.
The result is an arithmetic interpretation of entered values; it does not replace official action or professional review.
Outside the scope
- No live application, approval or official-record check is performed.
- The tool cannot validate the real-world correctness of wrong input values.
- Current special conditions should be confirmed with the relevant institution, bank, brand or official source.
Frequently Asked Questions
What ceiling is used?
The July 2026 monthly reference ceiling of 3.11%.
Can my bank offer less?
Yes. Enter the actual confirmed offer rate.
Is the result a final decision?
No. The tool calculates from entered values only and does not replace an official, medical, legal, financial or institutional decision.
What happens with wrong input?
Invalid or out-of-range values are rejected; accepted results still depend on the values entered by the user.
How should I use the example result?
Use it for planning, checking and comparison; verify with the relevant official source, institution, bank, brand or professional before acting.
Which fields affect the result most?
Visible amount, rate, date, day, installment, score or selector fields directly change the result.
Does it use live data or submit an application?
No. It does not perform live application, approval, inquiry or official-record checks.