Source: https://awesomecalcs.com/credit-card-interest-calculator/30000-balance-ongoing-spending
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# Credit Card Interest: Ongoing New Spending Each Month

> A 30,000 balance where the cardholder keeps spending 3,000 a month while paying only the minimum due, showing why the balance barely shrinks.

Interactive calculator: https://awesomecalcs.com/credit-card-interest-calculator/30000-balance-ongoing-spending

Keywords: credit card balance not going down, credit card ongoing spending calculator

## Scenario inputs

```json
{
  "inputs": {
    "outstandingBalance": 30000,
    "annualInterestRate": 40,
    "minDuePercent": 5,
    "minimumDueFloor": 200,
    "paymentPlan": "minimum",
    "newSpendingPerMonth": 3000
  }
}
```

## Frequently asked questions

### Why does my balance stay high even though I am making payments?

If new spending each month is close to or exceeds what your minimum due payment actually reduces the principal by, the balance can stay flat or even grow, since new purchases start accruing interest immediately once you are carrying a balance.