Türkiye Credit Card Minimum Payment Calculator: API and MCP

Türkiye Credit Card Minimum Payment Calculator over REST and MCP: input fields, limits, outputs, one example request and its real answer. Free, no sign-up.

Id: finance.credit-card-minimum.tr
Version: 1.0.0
Access: Free
Tool page: Türkiye Credit Card Minimum Payment Calculator
Schema: GET /api/v1/tools/finance.credit-card-minimum.tr

Input

Field	Type	Constraints	Default	Description
`balance` (required)	number	≥ 0, ≤ 100,000,000		Statement balance (TRY)
`limit` (required)	number	> 0, ≤ 100,000,000		Card limit (TRY) · The minimum share is 20% for a limit of 50,000 TRY or less and 40% above.
`monthlyRate` (required)	number	≥ 0, ≤ 10		Monthly contractual rate (%) · Your card’s rate. TCMB maximums since 1 January 2026: 3.25% for a statement balance under 30,000 TRY, 3.75% for 30,000–180,000 TRY, 4.25% above.
`kkdf`	number	≥ 0, ≤ 100	15	KKDF rate (%) · Banks add 15% KKDF to card interest. Enter your statement’s rate if it differs.
`bsmv`	number	≥ 0, ≤ 100	15	BSMV rate (%) · Banks add 15% BSMV to card interest. Enter your statement’s rate if it differs.

Output

Field	Type	Description
`minimumPayment`	number	Minimum payment (TRY)
`share`	number	Minimum share (%)
`remainingBalance`	number	Balance left after the minimum (TRY)
`interest`	number	One month of interest on it (TRY)
`kkdf`	number	KKDF (TRY)
`bsmv`	number	BSMV (TRY)
`interestWithTaxes`	number	One month of interest with taxes (TRY)

Example request

{
  "input": {
    "balance": 20000,
    "limit": 40000,
    "monthlyRate": 3.25,
    "kkdf": 15,
    "bsmv": 15
  },
  "locale": "en"
}

Example answer

{
  "output": {
    "minimumPayment": 4000,
    "share": 20,
    "remainingBalance": 16000,
    "interest": 520,
    "kkdf": 78,
    "bsmv": 78,
    "interestWithTaxes": 676
  },
  "steps": [
    {
      "id": "share",
      "formula": "minimum share = 20% (limit ≤ 50,000 TRY) or 40% (limit > 50,000 TRY)",
      "substitution": "minimum share = 20% (limit 40,000 ≤ 50,000)",
      "value": 20,
      "unit": "%"
    },
    {
      "id": "minimumPayment",
      "formula": "minimum payment = statement balance × minimum share",
      "substitution": "minimum payment = 20,000 × 20%",
      "value": 4000
    },
    {
      "id": "remainingBalance",
      "formula": "remaining balance = statement balance − minimum payment",
      "substitution": "remaining balance = 20,000 − 4,000",
      "value": 16000
    },
    {
      "id": "interest",
      "formula": "contractual interest = remaining balance × monthly contractual rate",
      "substitution": "contractual interest = 16,000 × 3.25%",
      "value": 520
    },
    {
      "id": "kkdf",
      "formula": "KKDF = contractual interest × KKDF rate",
      "substitution": "KKDF = 520 × 15%",
      "value": 78
    },
    {
      "id": "bsmv",
      "formula": "BSMV = contractual interest × BSMV rate",
      "substitution": "BSMV = 520 × 15%",
      "value": 78
    },
    {
      "id": "interestWithTaxes",
      "formula": "interest with taxes = contractual interest + KKDF + BSMV",
      "substitution": "interest with taxes = 520 + 78 + 78",
      "value": 676
    }
  ],
  "meta": {
    "toolVersion": "1.0.0",
    "locale": "en"
  },
  "citation": {
    "url": "https://hesaplayici.com/en/finance/turkey-credit-card-minimum-payment-calculator",
    "title": "Türkiye Credit Card Minimum Payment Calculator"
  }
}