Understand your real credit card cost in seconds
We built this credit card interest calculator to help everyday Americans understand the true cost of debt. Most people only see their minimum payment — not the thousands lost to interest. Our tool shows clear payoff timelines, total interest, and real purchase cost so you can make smarter financial decisions.
This website is designed for educational purposes only and does not provide financial advice.
Interest is calculated monthly based on your APR. Most payments go toward interest first.
Minimum payments mostly cover interest, keeping balances high for years.
It includes your original purchase plus all interest paid over time.
Increase monthly payments, avoid new charges, and consider balance transfers.