Tested math · runs in your browser
Credit card calculators
Every calculator here runs on the same unit-tested math we use on our card pages — no hidden assumptions, no stored data, no guarantees. Enter your own numbers to see what a balance really costs, whether a fee or a transfer pays off, and how quickly interest can erase rewards.
Private by design
Try the payment calculator
The flagship calculator on this page — pick a loan type, enter your numbers, and see the monthly payment, total interest, and a year-by-year breakdown update instantly.
Between $500 and $200,000.
Between 0% and 99.9%.
Choose a term between 2 and 7 years.
Runs entirely in your browser — nothing you type is stored, sent, or saved. Estimates for education only — actual offers vary by lender and credit profile.
Your monthly payment
$203/mo
Total repayment
$12,166
- Principal$10,000
- Total interest$2,166
Year-by-year: principal vs. interest
- Principal
- Interest
| Year | Principal paid | Interest paid |
|---|---|---|
| Year 1 | $1,694.40 | $738.77 |
| Year 2 | $1,835.04 | $598.13 |
| Year 3 | $1,987.34 | $445.82 |
| Year 4 | $2,152.29 | $280.88 |
| Year 5 | $2,330.93 | $102.24 |
My debt overhead
Save each debt to build your monthly debt budget below — up to 20 at a time. Saved only in this browser; nothing is sent anywhere.
Educational tracking only — totals are arithmetic, not advice. Data lives only in this browser and can be cleared by clearing site data.
9 calculators
Credit card interest cost calculator
See the monthly and yearly interest of carrying a balance at a given APR.
Minimum payment payoff calculator
See how long a balance takes to clear — and the interest — when you pay only the minimum.
Balance transfer break-even calculator
Weigh the upfront transfer fee against interest during and after the intro window.
Annual fee break-even calculator
Check how much credit and reward value you would actually use to offset an annual fee.
Rewards vs. interest calculator
See how quickly interest on a carried balance erases the rewards you earn.
Foreign transaction fee calculator
Estimate the fee a card adds to purchases made abroad or in a foreign currency.
Single-card utilization calculator
Turn one card’s balance and limit into a utilization percentage and an educational range.
Cash back vs. points value calculator
Compare a flat cash-back rate against a points card at your assumed redemption value.
Debt consolidation comparison calculator
Compare interest on your current APR against a lower-rate transfer, including the fee.
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.