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APR Comparison Calculator

Understand manually entered denial reasons, offers, and readiness factors. Your entries remain on this device unless you deliberately export or share them.

Saved only on this deviceNot saved yet

BalanceOffer A APR (%)Offer B APR (%)Comparison months

Approximate interest differenceEnter your numbers

Simple-interest comparison over the entered period; payments, compounding, and fees are excluded.

Optional follow-up reminderShown only in your device workspace. Open the installed app to receive enabled reminders.

Educational organization and calculation tool only. Verify inputs, rules, deadlines, and outputs before acting. FreeCreditBot is not a law firm, lender, credit bureau, or credit repair company.