Credit Card Calculators & Tools
Run your own numbers. Each tool works entirely in your browser — nothing you type is stored or sent anywhere.
Credit Card Payoff Calculator
Balance, APR, and monthly payment → months to payoff and total interest.
Balance Transfer Savings Calculator
Compare staying vs. transferring to a 0% intro APR card, net of the transfer fee.
Minimum Payment Trap Calculator
See how long minimum-only payments really take, and flag balances that never pay off.
Credit Card vs Business Loan Cost Calculator
For one expense — card payoff vs. a fixed-term loan, compared on total interest.
Rewards vs Interest Calculator
Cashback card or 0%-intro-APR card — which wins for your spend and payment habits.
Factor Rate → APR-Equivalent Calculator
Quick two-input conversion: advance, factor rate, and term → APR-equivalent.
Factor Rate → APR Calculator (full)
Term-unit, payback-structure, fee, and holdback inputs, plus a 10% APR benchmark gap.
Annual Fee Value Calculator
Weigh a premium card's annual fee against the credits and rewards you'll realistically capture.
Know what you want already? Take the quiz to find your match.