Cash Advance Calculators
Seven calculators, no sign-up. Every one uses the formula lenders are required to use, so the number you get here is the number you will see on the offer.
Cash Advance CalculatorTurn a flat fee into the real APR, and see the total you repay for any amount and term.
Payday Loan CalculatorFee per $100, due date and APR for a payday loan, with your state cap as the reference.
Installment Loan CalculatorMonthly payment, total repaid and total interest for any amount, APR and term, next to what a rolled-over payday loan would cost.
Credit Card Cash Advance CalculatorThe fee, the day-one interest and the effective APR of pulling cash on a credit card, for the days until you pay it back.
Rollover Cost CalculatorWhat each rollover adds to a payday loan, term by term, and the point where the fees pass the amount you borrowed.
Loan Comparison CalculatorTwo offers side by side: total repaid, APR and cost per day, with a plain verdict on which one costs less.
Paycheck Budget CalculatorCheck whether a cash advance fits your next paycheck after bills, and the largest amount that still leaves a cushion.
Which Calculator Answers Which Question
The seven calculators answer different questions. The cash advance calculator starts from an offer you already have: a fee, an amount, a number of days. It tells you what that offer really costs, as a total, per $100, per day and as an APR, so you can compare it with a credit card or an installment plan. Use it when the offer is on the screen and you are deciding whether to accept.
The payday loan calculator starts from your state instead. You pick the fee rule your state allows, enter the amount and the days to your pay date, and it tells you what a legal loan should cost, when it is due, and what happens to the cost if you roll it over once or twice. Use it before you request, to know what a fair offer looks like and to see the rollover trap in numbers.
The other five go deeper on one question each. The installment loan calculator prices a longer loan repaid monthly. The credit card cash advance calculator adds the fee to day-one interest on a card. The rollover cost calculator shows what each extension adds, term by term. The loan comparison calculator puts two offers side by side and says which costs less. The paycheck budget calculator checks whether the total fits your next pay period at all.
The One Formula Behind Every Tool
APR equals the finance charge divided by the amount borrowed, multiplied by 365, divided by the number of days in the term. Regulation Z, the federal rule that implements the Truth in Lending Act, requires every lender to disclose the APR calculated this way before you sign. It looks alarming on a two-week loan because it annualizes a short charge, and that is on purpose: it puts a $45 two-week fee and a 29.99% credit card on the same scale.
What the formula does not tell you is whether you can afford the total on the due date. That is why every tool here shows the fee and the total first and the APR second. If the total leaves you short again in two weeks, the cheaper product is an installment loan or a credit union payday alternative loan, and the state pages tell you which of those your state allows.
The Rules Behind the Math
Every calculator uses the annual percentage rate formula lenders must disclose under Regulation Z, 12 CFR 1026: the finance charge divided by the amount financed, times 365, divided by the days you hold the money. The payday examples use the fee-per-$100 convention the CFPB uses in its own illustrations.
What We Do Not Build
No mortgage, auto or personal loan calculators. Those loans have different structures, better tools exist elsewhere, and a site about short-term credit should not pretend to cover them. If you need a longer-term loan, a bank or credit union calculator will serve you better than anything here.