Free Tool

Credit Card Interest Calculator

Put in your balance and rate to see what the debt costs you per day, how much of your next payment the interest eats before it touches the balance, and how long payoff takes on minimums versus a fixed amount. Nothing is sent anywhere: the math runs in your browser.

Your card

Enter your numbers

What it costs

The running cost

Per day

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Per 30 days

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Minimum payment

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Payoff

How long it takes

Paying the minimum

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Paying your amount

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You save

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Assumes you stop adding new charges and the rate does not change. Interest is charged monthly at APR divided by 12, and the minimum is 1% of the balance plus that month's interest, with a $25 floor. This is the same arithmetic used in our guide to how credit card interest works.

Next step

Put a real plan behind the number

Seeing the cost is the easy part. Forgenta connects your accounts, tracks the balance as it moves, and plans the payoff order across every card you hold, so the number above becomes a schedule instead of a one-off.