Cash Advance Interest Calculator

Use our Cash Advance Interest Calculator to see what taking cash out on your credit card really costs.

Enter the cash advance, your card’s cash advance APR, and how many months until you pay it back, and the calculator will work out the interest and the total you repay.

It can also work backwards: the most you can take out for a total you can afford to repay, how long until the total reaches a given amount, or the interest rate implied by what you borrowed and what you paid back.

Interest is worked out as simple interest on the whole advance at APR ÷ 12 per month — cash advances usually start charging interest the day you take the cash, with no grace period, and often at a higher APR than purchases.

Any cash advance fee your card charges comes on top. To see how long it takes to clear the card with a fixed monthly payment, use our Credit Card Payoff Time Calculator; to check how much of your limit is left, our Available Credit Calculator.