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APR Cost Calculator

Model balances, limits, interest, dates, and payment scenarios. Your entries remain on this device unless you deliberately export or share them.

Saved only on this deviceNot saved yet

Average balanceAPR (%)Months carried

Approximate interestEnter your numbers

Simple-interest estimate. Real card interest depends on daily balances, compounding, payments, and fees.

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.