Credit Card.
Compare cards, manage debt, and maximize rewards with smart credit card tools
All 17 credit card calculators
Free, instant, no signup. Every result shows its working and can be handed to the assistant.
Credit Card Interest Calculator
Calculate how much interest you're paying on your credit card balance
Credit Card Comparison Calculator
Compare credit cards by rates, fees, rewards, and find the best match
Balance Transfer Calculator
Calculate savings from transferring your balance to a 0% interest card
Minimum Payment Calculator
See how long it takes to pay off debt with minimum payments only
Credit Card Payoff Calculator
Plan your debt-free date with a customized payoff strategy
Debt Consolidation Calculator
Combine multiple credit card debts into one manageable payment
Credit Utilization Calculator
Calculate your credit utilization ratio and its impact on your credit score
Credit Score Impact Calculator
Understand how credit cards and debt management affect your credit score
Rewards Points Calculator
Calculate the real value of your credit card rewards and points
Cashback Calculator
Calculate your annual cashback earnings from credit card spending
Annual Fee vs Benefits Calculator
Calculate if your credit card's annual fee is worth it
Interest-Free Period Calculator
Understand and maximize your credit card's interest-free period
Cash Advance Calculator
Calculate the true cost of credit card cash advances and ATM withdrawals
Foreign Transaction Calculator
Calculate the true cost of using your credit card overseas
Credit Limit Calculator
Estimate your likely credit limit and understand what affects it
Buy Now Pay Later Impact Calculator
Assess interest, fees, and long-term costs of Buy Now Pay Later usage.
Credit Score Simulator
Simulate impact of credit actions on your credit score. Uses Australian scoring models and guides for 2026.
The real products, as published.
Run the numbers here, then compare against what every provider actually publishes under the Consumer Data Right, refreshed nightly.
Questions Australians actually ask the AI.
Drawn from real conversations with the Credit Card Assistant. Click any to open it in chat.
How does credit card work in Australia?
Our credit card calculators apply the same formulas, brackets and buffers that banks and the ATO use internally. We update assumptions weekly from RBA, APRA and ATO releases. Run the math →
Are the numbers reliable?
Yes—every calculation is auditable. We show the working, and the rates come from what every bank publishes under the Consumer Data Right, the RBA cash rate and ATO 2026 brackets. They're estimates, not advice. Run the math →
Do I need to sign up?
No. There are no signups and no upsells. The calculators run in your browser — only a question you choose to send the assistant leaves it. We earn nothing from any bank or product. The math is the product. Run the math →
What can the AI assistant do?
Ask questions in plain English. The assistant runs the calculators live, cites the formulas, and explains the result in your situation—linking back to the underlying tools. Run the math →