Cash Advance Interest Calculator Download This Page

cash advance interest calculator

What is a cash advance?

A “cash advance,” or “payday loan,” is a short-term, high interest loan that lets people borrow up to $500 without having to provide collateral. They’re often advertised as being able to help people pay bills, buy groceries, or cover medical costs. But they’re actually designed to trap consumers into a cycle of debt.

When you take out a cash advance, you typically write a check to a lender for the full amount of the loan plus interest. Then, when your next paycheck comes around, the lender cashes it. If you don’t have enough funds in the bank account to cover the check, you’re forced to use the remaining balance of your checking account to pay the loan. This is called a rollover.

The average APR on a cash advance is about 400%, according to the Consumer Financial Protection Bureau. And because most borrowers don’t know how much they’ll end up paying over the course of a month, they usually wind up paying far more than they expected.

If you do decide to apply for a cash advance, here are some tips to keep in mind:

1. Don’t fall victim to misleading ads.

Cash advance companies aren’t regulated by the same agencies that oversee banks and credit unions. So while they may claim to be able to lend you as much as you want, they can charge whatever interest rate they like. Some even advertise zero percent APR, but that doesn’t necessarily mean they won’t try to hit you with fees.

2. Find out exactly how long you’ll have to repay the loan.

Cash advances – the interest rate and fee you’ll pay

A cash advance is when you take out a cash loan against your credit card. You’re essentially borrowing some extra money from yourself. Here are three things to know about cash advances:

1. Interest rates vary depending on where you live.

2. There are fees associated with each transaction.

3. These loans aren’t always easy to get.

How do I calculate the total cost of my cash advance?

Want to know how much a cash advance costs you? You’ll want to start by looking up what your current APR is. Then, take the amount you’re borrowing ($1,000), multiply it by the APR/100, and divide it by 365. This is the number of days it takes to repay the loan. Subtracting that from the original amount borrowed gives you the total interest you’d pay over the course of one year. Now add on the flat fee charged by your lender.

You may also use this cash advance interest calculator by CalculateCreditCard

How to download this page

Go into your browser’s File menu and click print.  This should then give you an option to save this page as a PDF.


Why Does the Billing Cycle Matter?

billing cycle

The billing cycle is the length of time between the date when a credit card bill is sent and the date that the cardholder’s credit card account is billed for that cycle. It’s usually the same amount of time as the grace period, which is the period of time a credit card account can be used without paying interest. There are two cycles every month: for purchases and for balance transfers. For purchases, the billing cycle begins on the date that the credit card bill is sent. For balance transfers, the billing cycle begins on the date when the credit card.

The Billing Cycle and Credit Cards

It’s easier to understand why the billing cycle matters when we consider why credit cards charge interest charges on purchases. Most credit cards charge an annual percentage rate (APR) in the range of 18 to 20 percent. To calculate an effective APR, you must add interest charges for each month of that billing cycle (i.e., the three months after the billing cycle has begun) to the APR you calculate for the current period. The total interest charges for the entire period must be equal to or greater than the APR. If this is not the case, you don’t have an APR, but an interest-rate spread, which you will want to understand because interest charges are added to the bill, and in most cases, can also be subtracted from the bill.

The Billing Cycle for Purchases

If the cycle for purchases begins on the date that the credit card bill is sent, it’s possible to make purchases before the bill is sent. If you make a purchase and pay within the grace period, your payment won’t be considered as part of your credit card bill. This is the exception, not the rule. In this case, if your bill is for more than $10, you will be charged interest. If your bill is for less than $10, you will not be charged interest if you pay within the grace period. If you make an unauthorized charge, your bill will be charged interest. Why Does the Billing Cycle Matter for Balance Transfers?

The Billing Cycle for Balance Transfers

The main difference between a balance transfer and a purchase card is that there is a full billing cycle for balance transfers rather than just one billing cycle. This means that if you make one balance transfer, you can’t make another until you get your first balance transfer bill (and sometimes you can only make one balance transfer in a 30-day period). To simplify things, many balance transfer cards only allow you to transfer a balance, but never make purchases while the account is open. This is very convenient, but you might not want to count on this. Your spending, for example, might still be reflected in your credit score.

Conclusion

The expiration date of your credit card’s grace period isn’t really relevant because you can’t stay current on the account in between the billing cycles, which can add interest to your outstanding balance. However, if you want to avoid interest, you can make a few changes to your payment routine and get all of your payment information in order to avoid late fees and fees from a late payment.


What is the Average Daily Balance Method?

Average Daily Balance Method

What is the Average Daily Balance Method?

The average daily balance method is an alternative credit card billing method to the monthly statement method. Under this method, credit card companies calculate interest based on how much you owe each day, rather than an average of how much you owe during a month. This method tends to result in higher interest rates and fees, as card companies need to make more money on interest charges to make up for the fact that they don’t receive interest for the days when you don’t carry an amount due. (Note: the idea behind the last sentence is taken from wikipedia and could be expanded upon by providing a formula for figuring the average daily balance to reflect the APR for the method.)

Advantages of the Average Daily Balance Method

The average daily balance method does not charge an annual fee. Do not incur additional fees for interest calculations. You may pay your card balance in full each month. You may not pay a balance transfer fee if you transfer to another credit card. The average daily balance method does not require a minimum balance to stay in the system. Disadvantages of the Average Daily Balance Method You will be charged an annual fee in most cases. It may result in higher interest rates and fees. Can be more difficult to track monthly account balances.

Disadvantages of the Average Daily Balance Method

You can’t see all the interest charges that you could be paying at the same time each month, due to the spread in the daily interest charge and the average balance calculation. You are paid interest over a period of a year or longer, whereas monthly interest charges can be paid all at once. This makes using this method easier for people who pay off their bills each month, but who don’t understand the long term costs associated with not paying off their credit card bills each month. As mentioned in the above section, having a high balance can result in the possibility of your card being declined for purchases at some places, which can be costly.

Conclusion

It’s very easy to spend money on your credit card, without even realizing it. However, spending more than you have in your checking account can result in consequences including being late on your bill, high interest rates, and potentially a penalty APR which can result in charges being more expensive than it would normally be. As such, the best way to manage your credit card debt is to follow a simple strategy and pay off your card each month. Which Credit Card Finances Best For Me? To answer this question, you first need to understand how much debt you have. You can estimate this by reviewing your recent bank statements, and estimating the amount of money that you spend each month. Alternatively, you can use one of the many online calculators to estimate your own current balance.


How to Calculate Average Daily Balance Now

How To Calculate Your Average Daily Balance (ADB)

To calculate average daily balance (ADB) on your credit card is an important part of calculating your credit card interest rate. Your average daily balance is the average amount you carry on your credit card each day during the billing cycle. This can be calculated manually or automatically by your credit card company. Either way, calculating it yourself is easy, and it will help you predict how much your credit card bill will be at the end of the month before your bill arrives.

What is an average daily balance?

An ADB is calculated using the amount listed on your credit card statement divided by the number of billing cycles in the current billing period. An example, if your balance is $10,000 but the billing cycle for the current month is 1, your ADB is $10,000 divided by 12. A monthly average balance is also calculated by dividing the amount by 12. Get your free credit score Below are two methods for calculating your ADB, manual and automatic: 1. Manual: Enter the amount on your credit card in the corresponding boxes.

How do I calculate an average daily balance?

The easiest way to calculate this value is to divide the number of months in the billing period by 30, and then multiply by 3. When the number is divided by 3, it is divided by 365. In other words, if your amount is $10,000, and you have 30 months in the billing period, your ADB will be $95.46. What is the difference between a median daily balance and your credit card balance? The difference between your ADB and your credit card amount due is the dollar amount that you pay in interest each year for carrying a balance on your credit card. If you have a balance of $10,000 and your calculated balance is $95.46, your interest rate is 5.9%. To calculate your interest rate, divide your balance by your ADB.

Here’s an Example

  • Ending amount for Day 1: $1000.00
  • Ending amount for Day 15: $2000.00 (because you bought some things worth $1000 on this day)
  • Ending amount for Day 20: $1500.00 (because you paid off $500 on this day)

The above example would really look like this:

Day Balance
1 $1000.00
2 $1000.00
3 $1000.00
4 $1000.00
5 $1000.00
6 $1000.00
7 $1000.00
8 $1000.00
9 $1000.00
10 $1000.00
11 $1000.00
12 $1000.00
13 $1000.00
14 $1000.00
15 $2000.00
16 $2000.00
17 $2000.00
18 $2000.00
19 $2000.00
20 $1500.00
21 $1500.00
22 $1500.00
23 $1500.00
24 $1500.00
25 $1500.00
26 $1500.00
27 $1500.00
28 $1500.00
29 $1500.00
30 $1500.00
Total $40,500.00

Now divide the total ($40,500.00) by the total number of days (30) and you get an ADB of $1,350.00 which is what your credit card company will calculate your credit card interest against.

To make your life easier, I have created an average daily balance calculator.

Calculating an average daily balance automatically

You can usually check your credit card company’s online calculator to calculate your ADB on a credit card. It will show you the total amount you owe, the date you made your last payment, and your ADB. Calculating your daily balance manually To calculate your median daily balance manually, calculate the number of transactions you made on your credit card in the previous billing cycle. Also, subtract the amount you paid off from the total amount you owe, so that you know your ADB. Example: “I made 10 transactions in the previous billing period. The calculated value was $350.

Conclusion

Most people forget to calculate their credit card bills, and the first bill that arrives is always a shock to the system. Using credit card bill calculation tools and calculators will help you understand your credit card bill in detail and plan accordingly. Take these ideas with you to the next time you receive your bill, or you will be caught by surprise.


APR vs. APY Calculator Simple Explanation

In very general terms, I always knew the Annual Percentage Rate (APR) and the Annual Percentage Yield (APY) were essentially the same, but there must be some difference. I finally decided to do some research and discovered the below.

  APR APY
Definition Annual Percentage Rate Annual Percentage Yield
Main Difference The annual cost of borrowing money that includes fees The rate at which your deposit account can earn money
Account Types
  • Credit Cards
  • Mortgages
  • Savings Account
  • Certificates of Deposit
Formula APR = ( ( ( ( Fees + Interest Paid over Life of Loan ) / Loan Amount ) / Number of Days in Loan Term ) * 365 ) * 100
APY = ( 1 + (r/n) )^n – 1
r = annual interest rate
n = the number of times interest compounds per year

Balance $
APR (%)  
Days in Month  
Days in Year  
Interest Per Day $
Interest Per Month $
Interest Per Year $
Balance $
APY (%)  
How much you gain depends on how often the amount compounds
Below you’ll see how much you’ll get at the end of a year (assuming 365 days in a year)
Balance Compounded Daily $
Balance Compounded Monthly $
Balance Compounded Annually $

Don’t Blame Credit Cards

It’s noticeable that credit cards have gotten a very bad reputation over time. Credit cards are typically associated with negative connotations, such as high debt, bankruptcy, and simply fear. It’s time to stop misdirecting the blame of these negative attributes to an inanimate object and start looking at ourselves, the consumers. With proper money management education, we can curb a lot of household financial distress.

It is said that the average credit card debt per credit card holder is figured to be about $8,000. Of course, this number is skewed because a majority of consumers could have zero credit card debt, while the remaining have massive debt. It’s figures like these that have driven people away from leveraging their credit cards more often. However, the numbers themselves do not speak the whole truth.

There is a difference between good debt and bad debt. Good debt is typically associated with investments that will help generate additional value in the long run (e.g. education, office equipment, advertising, etc). Bad debt is something we are more commonly aware of, which are purchases that are not necessary for survival nor generates/appreciates in value over time. These are also referred to as luxury items. Though the amount of credit card debt may be massive on one end of the spectrum, who is to say that it is not being used for good debt?

Aside from the “high average debt”, credit card companies are also perceived as vultures for targeting unassuming consumers. And though, it’s true, there are some companies that prey on consumers lack of due diligence (e.g. the Kardashian Kard), most do not. They only provide the applicant with what they calculate he/she can handle, especially since financial institutions are so adverse to extending credit nowadays. Just because financial institutions distribute the cards does not mean we should be condemning them either. It’s up to the consumer to ensure they understand the terms they are getting themselves into and the best option for them.

The real concern of credit card usage lays with the consumers that are not living within their means and are over consuming luxury items. Their finger should point to themselves for getting placed in this predicament. The question is then, how do we solve this? The answer: provide better and earlier education in financial/money management. Without proper education, the amount of bad debt consumers incur will continually grow, no accountability for their own actions will be taken, and the economy will be hurt even more.

The initiative to solve this problem is underway, such as the Ariel Elementary Community Academy mentioned in the article,teaching kids about money. And other resources, provided by CreditCard.com, allow consumers to determine which cards are available for them and and list of their terms and benefits.

As some of you may have noticed, a list of examples for luxury items was not provided, because there’s always a way to rationalize how it can be considered an investment. But let’s be honest with ourselves, we know what we need to survive, what truly generates value, and what we simply want because of the “cool factor”.


8 Reasons Credit Cards Are Better Than Debit Cards

Based on a recent article from the National Retail Federation, consumers will be relying less on credit cards this holiday season. In fact, it’ll be the lowest since 2002. People are making this decision because they want to actively budget they’re spending on gifts. I believe this a strategy that works well, but if you can control your spending WHILE using your credit card, then you’re getting the best of both worlds.

In light of the holiday season, I’ll give you my Top 8 reasons of why using a Credit Card is better than a Debit Card:

  1. Credit cards provide better security. If you have any charge disputes on your debit card because your card got stolen, then the bank will not release your money until it has been cleared. That means you can be out of hundreds or thousands of dollars, when it wasn’t even your fault.
  2. Accumulate Reward Points. More credit cards than debit cards allow you to accumulate points towards reward items (e.g. travel, electronics, even cash)
  3. Build your credit. As always, building a good credit history is extremely important and only a very few debit cards can do this.
  4. Warranty coverage. Surprisingly, most credit cards offer a special warranty on items you purchase with it. Perfect for when your gift is broken within a year. I was surprised to find out how many of my own cards offered this benefit. You should call up your credit card company and see if you’re covered as well.
  5. Stress-Free Authorization Holds. You’ll notice when you check into a hotel, they typically have signs telling you that they will place a temporary charge on your debit card. This charge is used to protect the hotel from delinquent guests, which is fair. However, this charge will remain on hold for days after you’ve checked out. This means you’re have less cash on hand.
  6. Cheaper to rent a car. Perhaps you’re visiting family outside your hometown and need to rent a car. If you try to rent with a debit card, they will require that you use pay the daily insurance coverage.
  7. Price Protection. Another surprise is that some credit cards also offer price protection on the items you purchase. This means if you purchased a product and the price drops within a certain time period (usually 30 days), the credit card company will match the new price.
  8. Various Additional Perks. Roadside assistance, lost luggage coverage, are just to name a couple and when the snow falls or you have a valuable gift in your luggage, these will come in very handy.

You may wonder why I left out “overdraft fees”. This was a major advantage of credit cards over debit cards. However, with the new federal law passed in July 2010, it prevents banks from charging you an overdraft fee and simply decline purchases if you don’t have enough. You can get around this by providing your bank the permission to withdraw from another account, but my personal opinion is to not opt-in and simply let charges get declined.

Another great perk of a credit card versus a debit card, is that if you get a 0% APR or low interest credit card, it’s essentially free money.


Don’t Be Lazy When It Comes to Money: Use A Manual Ledger

If you’re like me, you find it really convenient that your credit card or banking institution provides you with a list of your most recent transactions when you log into your online account. It really simplifies the book keeping process and that’s great. Unfortunately, with simplicity comes laziness and with laziness comes mistakes/unwelcomed surprises. I have to admit, I have fallen victim to this.

This past month, I have been going out more often with friends for birthdays, dinners, movies, etc. This leads to me placing charges to to my credit card. I usually check my balance once a week to make everything is in order, but with multiple things going on and again, laziness, I skipped a few weeks. To my unwelcomed surprise, I spent a lot more than I have in a long while. Luckily, I can handle it, but it blew out my budget for the month.

What could I have done to avoid this? Well, I guess I could have checked my online balance more often, but not all transactions appear immediately. And even if they do, they typically don’t include the additional tip you’ve added to the bill. Going out to eat numerous times can really cause your total debt to be offset by a lot. My solution is to keep a simple ledger going forward. It doesn’t have to be anything fancy whatsoever, just follow these three easy steps:

  1. Create a new spreadsheet
  2. Create four (4) columns: Transaction Date, Vendor, Card, and Amount:
    • Transaction Date – the date you made the purchase or deposited money
    • Vendor – the place you made your purchase or return
    • Card – in case you have multiple cards, you can keep track of which one your spending with
    • Amount – the cost of the transaction
  3. Enter all your transactions each night through the receipts you collect

This is a tactic I used to curb my spending after college as well. It worked wonders because it gave me a real time tally of how much I was spending and how much I truly had left in my accounts. It’s also the idea of associating your purchase with additional labor and helps with memorization. What does it help you remember? THAT YOU KEEP SPENDING MONEY THAT SHOULD BE SAVED!


How Credit Card Interest is Calculated

There is no simple way to calculate interest on credit cards. There are different values that come into play:

  • Outstanding balance from the month before
  • Annual Percentage Rate of your credit card
  • Number of days in a month your credit card is calculated over
  • Number of days in a year your credit card is calculated over
  • Your Monthly Payment amount

For the calculations below, I’m just going to take a snapshot in time, so that it doesn’t take into account your monthly payments and compound interest. Essentially, I’m trying to give you a simpler view so that it’ll be easier to digest how much money you will be burning on interest on a daily, monthly, and annual basis.

The below examples will use the following values:

  • Annual Percentage Rate = 10%
  • Outstanding Balance = $5000
  • Days per Month = 30
  • Days per Year = 365

Formula to calculate daily credit card interest accrued:

  • ((Annual Percentage Rate/100)/Days per Year) * Outstanding Balance = Daily Interest
  • Example: ((10/100)/365) * 5000 = $1.37

Formula to calculate monthly credit card interest accrued:

  • ((Annual Percentage Rate/100)/Days per Year) * Outstanding Balance * Days per Month= Monthly Interest
  • Example: ((10/100)/365) * 5000 * 30 = $41.10

Formula to calculate annual credit card interest accrued:

  • Outstanding Balance * (Annual Percentage Rate/100) = Annual Interest
  • Example: 5000 * (10/100) = $500.00

What Are The Benefits to Calculating Your Daily Interest Rate?

After I created the “Calculate Your Daily, Monthly, and Annual Credit Card Interest” page, I was asked numerous times, why did you specifically decide to create that tool and what purpose does it serve? Well, I guess my brief intro on the homepage was a bit too brief. Let me elaborate.

Around the time I created that automated form, I was actually trying to make the decision of whether or not it’d be worth my effort to transfer my credit card debt into another credit card. I had multiple 0% balance transfer offers on existing cards, but knew better than to think it was a no-brainer decision, since there’s always a transfer fee associated with them.

The first step I took was to calculate how much interest I was losing per month. The idea was that the one time balance transfer fee may equate to be about three months worth of interest, in which case I could potentially pay off within two months. If that were the situation, then I would be wasting time calling up their customer service to perform the transfer. Not to mention, it’s just a dumb decision to pay more in the long run.

Once I got the formula to calculate the monthly interest rate and determined it was a good idea to perform the transfer, it dawned on me that it’d be extremely interesting to figure out how much I was “spending” by carrying this balance for so long. Of course my balance fluctuated throughout the months and years, but I just had to simplify my decision making process by fixing the balance to the amount at the time. What I discovered was pretty eye opening the moment I saw it.

I believe my daily interest came out to be about $1.25, that like one item from the McDonald’s Dollar Menu (plus tax). But, I haven’t been eating at McDonald’s and a side salad sounded pretty good at the time. Then, I thought, what if I escalated the calculation to a week? It came out to be $8.75. That equated to about 3 gallons of gas for my car. And what the heck? I’m always filling up my tank. That extra money would come in really handy!

Essentially, it put the money I was spending on credit card interest into perspective. Seemingly small amounts really add up and I couldn’t believe it. At that point, I made it a goal of mine to erase my credit card debt as soon as possible. So, my purpose of the form is mainly to provide people, in a similar situation that I was in, some perspective. It’s extremely important to manage your money (especially for kids) and figure do what you can to lower/extinguish your credit card debt.

I truly hope some people out there who have used my form realized the same lesson I did. For those who are severe bad credit situations, I recommend determining and monitoring your credit score first to determine how deep you’re in it and then just work your way up.


How To Build Credit With The Public Savings Bank Secured Visa

I was provided the following article for the Public Savings Bank Secured Visa. In a nutshell, this card allows you to create good credit history while removing the risk of missing a payment, which in turn will improve your credit history. Here are the simple steps they provide on their site:

  1. You deposit a minimum of $300 into a Public Savings Bank FDIC insured deposit account.
  2. You can then make purchases with your card up to the amount you have in your security deposit account.
  3. You must pay at least the minimum payment before the due date each month. Your security deposit does not cover minimum payments.
  4. Your payments are reported to all 3 major credit bureaus (TransUnion, Experian, Equifax) so you can begin to establish your credit immediately.

For people with no credit or those who have experienced a negative credit event, such as divorce or foreclosure, establishing credit history can be difficult. Without proper credit, everything from a car loan to an apartment or even a job can be denied.

Prepaid cards are one way to manage daily expenses. However, prepaid cards simply provide access to your own money, not credit from a lender. Prepaid cards do not report to credit bureaus and do not help re-establish credit history. Individuals need to demonstrate on-time monthly payments on a credit card in order to rebuild credit history that’s so important.

How can someone who is denied a credit card rebuild their credit?

Well, one option is the Public Savings Bank Secured Visa. It offers people with low credit or no credit the ability to re-establish their credit history and work towards improving their credit score. Individuals deposit money into an FDIC-insured account that acts as a security deposit. They can then make purchases anywhere Visa is accepted or take cash advances up to the deposited credit line amount, currently between $300-$2000. Payments are reported to all three major credit bureaus (TransUnion, Experian and Equifax) so customers can begin to establish credit immediately.

The Public Savings Bank Secured Visa does not require a credit check or even a checking account to apply. Customers can fund their account via Western Union, ACH, wire transfer, check or money order. The card has no annual or monthly fees, and offers 0% APR for 6 months. Rush shipping is available so customers can begin using their card just days after funding their account.

Building good credit is critical at a time when credit is getting harder to obtain. This card allows the customer to build good credit while enjoying all the benefits of a Visa card at very favorable terms.

You can apply for the Public Savings Vank Secured Visa at www.publicbankcard.com and be approved within only a few hours.


Prepaid Credit Cards and Kids (Teaching Kids About Money)

This article is part of a series on Teaching Kids About Money.

Credit cards have a bad reputation. People view credit cards as an evil doorway to the downward spiral of debt. The truth is, we should all have credit cards. Sure they’re capable of ruining our credit, but ultimately their purpose is to help our credit. The evils of credit cards really falls upon the cardholder and miseducation. One way we can introduce children to using credit cards responsibly is by providing them with Prepaid Credit Cards, where the amount you place in the card is up to you.

Prepaid credit cards don’t necessarily help your credit, though there are ways (e.g. AccountNow Prepaid Visa or MasterCard, The Public Savings Bank Secured Visa, etc.), it’s mainly a great tool to help teach kids how to use credit cards responsibly.

Here are some suggestions on how to teach kids about money management with Prepard Credit Cards (with the help from Little Eddie):

  • When you give the prepaid credit card to Little Eddie, make sure you present him with a specified amount of time the amount of the card should last. For example, you can place $50 on the card and tell Little Eddie you won’t re-fill it for three months.
  • Along with the tip above, you can even add an incentive for Little Eddie to not spend a percentage of his money within the alotted timeframe. So, if you chose to make the percentage 50%, and Little Eddie only spent $25 of his prepaid credit card after three months, then your next refill won’t be $50, but $51 instead. And if Little Eddie is able to stay within his 50% limit, then you’ll re-fill his card with $52 instead. This will teach Little Eddie the benefits of compound interest.
  • On the contrary to the above tip, if Little Eddie uses up all his funds within a month (with no good reason), then you can reduce the amount you’re going to provide him during the next re-fill period. This will teach him to be more money conscious.
  • You should also make it Little Eddie’s responsibility to approach you to get the re-fill. Providing him with a grace period of one week or ten days to do so. If he doesn’t approach you within the grace period, you can again deduct $1 from their re-fill amount. This will teach Little Eddie to be more responsible with time and simulates the idea of credit card late fees.

Do you have any additional ideas on leveraging Prepaid Credit Cards to help teach kids about money management?

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