Interest Drain: How Much of Your Payment the Bank Keeps

Interest Drain is the percentage of each credit card payment that goes to the bank as interest instead of reducing your balance. Bubbleverse calculates it for every debt you add. If your Interest Drain is 73%, only 27 out of every 100 rupees you pay actually lowers what you owe.

How Interest Drain Is Calculated

Interest Drain = (total interest paid / total payments made) × 100. Bubbleverse simulates your billing cycle — applying APR monthly, calculating interest on outstanding balance, and tracking the split between interest and principal.

Drain Levels

  • Below 30%: Efficient — most of your payment reduces the balance
  • 30–60%: Leaking — meaningful share going to interest
  • Above 60%: Draining — bank keeping most of your money

Frequently Asked Questions

What is Interest Drain?
The percentage of each credit card payment that goes to the bank as interest. If Interest Drain is 73%, only ₹27 of every ₹100 you pay reduces your balance.
Why is my Interest Drain so high?
Indian credit cards charge 30–46% APR. At these rates, minimum payments are mostly consumed by interest.
How do I reduce my Interest Drain?
Pay more than the minimum, convert to EMI at a lower rate, use FiZ Score to pay off the highest-drain card first.

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