Calculators

Calculate your monthly points earned across spend categories like dining, travel, shopping, and more.

Estimate the direct cashback on your monthly credit card spend.

Compare the rupee value of points vs cashback.

Are utility payments worth it on your card?

Is chasing a milestone bonus worth the extra spend?

Calculate the true first-year value of a new credit card.

Calculate EMI on credit card purchases.

Compare annual fee vs. rewards over 3 years.

Upfront discount or no-cost EMI, which is cheaper?

True cost of ownership including fee and GST.

Minimum spend needed to justify the annual fee.

Find the right card tier for your credit profile.

Measure utilization and its impact on your CIBIL score.

Get personalised card picks based on your profile.

Estimate your approval likelihood for a new card.

Estimate the markup on international card spends.

Estimate the monetary value of your lounge benefit.

How many lounge visits justify the annual fee.

Calculate savings from surcharge waiver and rewards.

Miles or cashback, which is more valuable for you?

How long to reach your savings target with SIPs.

See the real cost of paying only the minimum due.

Calculate daily and monthly interest on your outstanding credit card balance.

How long to clear balance with a fixed monthly payment.

Calculate penalty and CIBIL impact of late payment.