APR Calculator
Track your 0% APR periods and never miss a payment deadline
Add Your Cards
Related Resources
Guides that use this tool
Strategy behind the numbers, from the StackEasy blog.
What Happens When 0% APR Ends? How to Track Every Expiration Date → Balance Transfer Vs Personal Loan → Debt Avalanche vs. Debt Snowball: Which Method Pays Off Debt Faster? → Browse all guides →Frequently Asked Questions
Quick answers about how this calculator works.
How does this calculator figure out my monthly payment?
Enter each card's balance and the date its 0% APR period ends. The calculator divides the balance by the number of months left until that date to show the monthly payment needed to pay it off before interest starts.
What does the Urgent badge mean?
A card is marked Urgent when its 0% APR period ends within 30 days. Cards with more time left are marked OK, so you can see at a glance which one to pay down first.
Can I track more than one 0% APR card at a time?
Yes. Click Add Another Card to add as many cards as you are tracking. Each one gets its own days remaining count, monthly payment target, and urgency badge in your results.
Do I need to create an account to use this calculator?
No. This calculator works without signing up. If you want alerts before your 0% APR ends, you can start a free StackEasy account from this page.