ArthPulse › Interest-free period calculator
Credit card interest-free period calculator
Enter your card's statement day and how many days you get to pay, pick a purchase date, and see exactly how many interest-free days that purchase gets. Both numbers are printed on your card statement.
Enter your details to see the result.
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How it works
- A purchase on or before the statement day goes on that statement. A purchase after it goes on the next one.
- The due date is the statement date plus your days to pay (usually around 15 to 20).
- The interest-free period is the time from the purchase to that due date, and it only holds if you pay the total amount due, not just the minimum.
That is why the same purchase can be interest-free for about 50 days, or for barely 20, depending only on the day you make it. The full explanation, with a worked example and the minimum-due trap, is in our guide to credit card billing cycles and interest-free periods.
Track this for every card, automatically
ArthPulse tracks each card's spending from your card alerts and, once you add the billing day, shows every card's current cycle, estimated outstanding and due date on one screen. See how the card tracker works.
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How is the interest-free period calculated?
It is the number of days from the purchase to the payment due date of the statement the purchase appears on. A purchase made on or before the statement day goes on that statement; one made after it goes on the next one. The due date is the statement date plus your card's days to pay.
What is the best day to make a big credit card purchase?
The day after your statement date. The purchase then goes on the next statement, giving you the longest time before payment is due, often around 50 days.
General information, not financial advice. Your card's terms and statement are the authority on your dates, fees and interest.