Credit Card Calculators
Free, no-sign-up tools for understanding what a credit card really costs. Pick the one that matches your question.
Credit Card Interest Calculator
See what a balance costs in interest per day, per billing cycle, and per year, from just a balance and an APR.
Open the calculatorCredit Card Payoff Calculator
Find how long it takes to clear a balance and the total interest, or the monthly payment to be debt-free by a target date.
Open the calculatorMinimum Payment Calculator
See how many years and how much interest paying only the minimum costs, and how much a fixed payment saves.
Open the calculatorBalance Transfer Calculator
See whether moving a balance to a 0% card actually saves money after the transfer fee, and the payment to clear it before the promo ends.
Open the calculatorCash Advance Interest Calculator
Get the full cost of a cash advance: the upfront fee, interest with no grace period, and the effective cost.
Open the calculatorAverage Daily Balance Calculator
Work out your average daily balance from a starting balance and your purchases and payments during the cycle.
Open the calculatorSCRA Military Interest Rate Cap Calculator
For active-duty servicemembers: see what the SCRA 6% interest rate cap could save on debt carried into active duty.
Open the calculatorQuick answers
Not sure where to start?
If you just want to know what a balance is costing you, start with the Interest Calculator. If you are trying to get out of debt, the Payoff Calculator and Minimum Payment Calculator show how fast different payments clear the balance, and the Balance Transfer Calculator shows whether moving the debt to a 0% card is worth the fee. And if you are weighing a cash advance, the Cash Advance Calculator shows the full cost before you take one.
Want to understand the mechanics first? The guide to how credit card interest works explains the daily periodic rate, the grace period, and the different APR types in plain language.