Credit Card Calculators

Five free tools to work through your own numbers. Everything runs in your browser, and nothing you enter is sent to us.

Pick a calculator

Credit Card Interest Calculator: see how long a balance could take to pay off and what it could cost.
Balance Transfer Calculator: compare a transfer fee with the interest it could avoid.
Credit Utilization Calculator: find the share of your credit limit you are using.
Cash Back Calculator: estimate your yearly rewards after any annual fee.
Debt Payoff Calculator: see your payoff date and what paying a little extra could save.

What these tools can and cannot do

Each calculator gives an estimate from the numbers you enter, under assumptions it explains. They are planning aids, not quotes or offers. Your real costs depend on your issuer’s terms and how you use your card.

We test the math against worked examples that we publish with each tool. For the reasoning behind the numbers, read What Is APR on a Credit Card? and What Is Credit Utilization?