All Credit Card Calculators
Sixteen free calculators covering every stage of paying down (or avoiding) credit card interest.
Credit Card Interest Calculator
Estimate how much of your next payment goes to interest versus principal — and what your balance could cost you over time.
Open calculator →Credit Card Payoff Calculator
Enter your balance, APR, and monthly payment to see your estimated payoff date and total interest cost — then test how extra payments shorten it.
Open calculator →Credit Card Minimum Payment Calculator
Estimate your minimum payment under common formulas — and what paying only the minimum every month could cost.
Open calculator →Credit Card Balance Transfer Calculator
Compare what you'd pay by staying put versus transferring your balance — fees included — to see your real net savings.
Open calculator →Multi-Card Debt Payoff Calculator (Snowball vs. Avalanche)
Add every card you're carrying a balance on and see, side by side, which order of payoff — smallest balance first or highest APR first — saves you more.
Open calculator →Credit Card APR Calculator
Turn an abstract percentage into real numbers: see what your APR costs you per month and per year on your actual balance.
Open calculator →Credit Card Daily Interest Calculator
See the daily periodic rate typically derived from your APR, and how many dollars that adds up to per day and per billing cycle.
Open calculator →Extra Payment Savings Calculator
Add a fixed extra amount to your monthly payment and see an estimate of how many months and how many dollars in interest it could save you.
Open calculator →0% Intro APR Calculator
Find the monthly payment required to clear your balance before the promotional 0% period ends, and see the cost if you fall short.
Open calculator →Deferred Interest Calculator
For "no interest if paid in full" store card and retail financing offers: see the interest building up in the background, the payment that avoids it, and what you owe if you miss the deadline.
Open calculator →Credit Utilization Calculator
Your utilization ratio is one of the biggest factors in your credit score after payment history. See yours instantly, per card and overall.
Open calculator →Debt Consolidation vs. Balance Transfer Calculator
Two very different ways to tackle the same balance — compare total cost side by side before you decide.
Open calculator →Cash Advance Calculator
See the full cost of a credit card cash advance: the fee, interest that starts the same day, and what it works out to per year.
Open calculator →Bi-Weekly Credit Card Payment Calculator
See how much paying half your payment every two weeks saves, and how much of it you would get just by paying a little more each month.
Open calculator →Credit Card Interest Charge Checker
Enter the numbers from your statement to see whether the interest charge matches your APR, and what to look for if it doesn't.
Open calculator →Fed Rate Change Credit Card Calculator
See how a Federal Reserve rate change moves your card's APR, this month's interest, and the total cost of paying off your balance.
Open calculator →