What is deferred interest?

A retail-card trap where interest accrues from day one but is waived only if you pay the full balance before the promo ends. Miss it by a dollar and the entire back-dated interest gets charged.

Is this calculator free to use?

Yes. Every tool on AnyCreditWelcome.com is 100% free, runs in your browser, and never sells your data.

Are my numbers saved or sent anywhere?

Your inputs are stored locally in your own browser so you can come back to them. We don't transmit them to a server.

Can I share my exact scenario with someone else?

Yes. Click 'Copy share link' in the export bar — it creates a URL that loads the same inputs and results when opened.

Can I download my results?

Yes. Every calculator offers a one-click PDF and CSV export with your inputs, results, and a printable summary.

Promo Expiry Risk Radar

See every 0%/promo APR balance you have, when each one expires, and which one is about to ‘explode’ into post-promo interest first. Get the monthly shortfall to fix it.

Your promo balances

Balance

Promo APR

Post APR

Ends

Minimum

Pay/mo

Balance

Promo APR

Post APR

Ends

Minimum

Pay/mo

Monthly shortfall

$484

Add this much per month to clear all promos before they expire

Explosion order

Citi BT
Ends Jan 20, 2027 · 9 mo left · risk 72/100
High
Left at expiry
$3,400
Need /mo to clear
$578
Next 12 mo interest
$659
Current minimum
$120
Add $378/mo
Chase Slate
Ends Jul 20, 2027 · 15 mo left · risk 52/100
Medium
Left at expiry
$1,600
Need /mo to clear
$207
Next 12 mo interest
$274
Current minimum
$80
Add $107/mo

Highest-risk accounts should move to the top of your Ladder or be modeled in Runway/Consolidation before the promo expires.

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Important disclaimer

The projections, estimates, and recommendations shown by these tools are for informational and educational purposes only. They do not constitute financial, legal, tax, or investment advice.

Calculations are based on the information you provide and make simplified assumptions (for example, fixed APRs, no additional fees, and no new charges). Your actual payoff dates, interest costs, and terms may differ based on your lender's specific policies, variable rates, fees, and how you use your accounts.

Before acting on any payoff plan, balance transfer, or credit strategy, please consult a qualified financial professional or credit counselor. AnyCreditWelcome.com is not a lender, creditor, bank, or licensed financial advisor.