About CreditCardCalcs

CreditCardCalcs is free credit card and debt-payoff calculators, built around one principle: no affiliate spam. We don't push specific cards. We don't take referral kickbacks. We don't hide the actual math behind "apply for our partner card" CTAs.

Why we built it

Most credit card calculator sites are SEO traps for affiliate signups. The math is buried in 2,000 words of generated content with "Best Card for X" recommendations that just happen to be the highest-paying affiliate links.

We flipped that. The calculator is the entire product. Real APR-based math. No card recommendations. No "apply now" buttons. You see the numbers, you make your own decision.

How accurate is the math?

Exact, for the inputs you provide. Credit card interest is well-defined (daily periodic rate × balance × days, capitalized monthly). The payoff, snowball, and avalanche calculations use standard amortization formulas.

How we make money

Banner ads (Google AdSense) on calculator pages. That's the entire business model. No subscriptions, no premium tier, no affiliate links to specific cards.

Sister sites

CreditCardCalcs is part of a small portfolio of free, no-signup tools: PDFShed, PixShed, SimplyCalcs, ResumeShed, InsureCalcs, RetireCalcs.