What Are Your Credit Cards Really Costing You?
Enter your cards below. Real numbers, no hype — including the interest you’re paying right now, this second.
How fast the meter runs
Interest accruing on your current balances, before any payments.
| Every… | Interest accrued |
|---|---|
| Minute | |
| Hour | |
| Day | |
| Month | |
| Year (if balances stayed put) |
Minimum payments vs. your payment
🐌 Minimum payments only
💪 Your payment plan
Your payoff curve
Total balance over time. The gap between the lines is money you keep.
Your payment
How this works: Interest compounds monthly at APR ÷ 12; the live ticker and accrual table use APR ÷ 365 on your current balances. The minimum payment is modeled as the greater of $35 or interest + 1% of the balance — the formula most large issuers use. Annual fees are spread across the year. With multiple cards, your extra payment targets the highest‑APR card first (the debt avalanche method). The wealth projection assumes a 7% average annual return compounded monthly, before inflation and taxes. Estimates only — your issuer’s exact terms will vary. Not financial advice.