APR Calculator — Real Cost of Credit Card Interest | Cards Made Simple
Enter your balance and APR. Claire shows exactly how much interest you'll pay, when you'll be debt-free, and whether a balance transfer actually saves you money.
Read more →Run the numbers yourself. Claire built these so you don't have to guess.
Enter your balance and APR. Claire shows exactly how much interest you'll pay, when you'll be debt-free, and whether a balance transfer actually saves you money.
Read more →Is a balance transfer worth it for you? Enter your balance, current APR, and transfer offer. Get the exact break-even date and Claire's verdict.
Read more →Enter your monthly spending. Claire calculates your annual rewards potential and recommends the exact cards for your spending profile. Updated June 2026.
Read more →Claire's card matching tool. Enter your spending profile and get the exact card that maximizes your rewards. The math done for you.
Read more →Enter your current card and spending. See exactly what you're leaving on the table every year. The number is usually embarrassing.
Read more →Enter your current credit situation. Claire's simulator shows exactly what raises your score, by how much, and how long it takes. Updated June 2026.
Read more →Enter your debts. Claire calculates avalanche vs snowball payoff — total interest saved, months to freedom, and the card you unlock when it's done.
Read more →Track your net worth: assets minus liabilities. Claire's framing: net worth is the number your credit card rewards are building toward.
Read more →Enter all your cards and monthly spending by category. Claire shows you the optimal card for each spend type to maximize annual rewards. The math done for you.
Read more →Claire already ran the math.
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