Calculator
Cash Advance Cost Calculator
A cash advance cost calculator estimates what a credit card cash advance costs once the advance fee and ATM fee are included. Enter the amount, APR, fee percentage, ATM fee, and repayment term to see the upfront fees, total cost, and effective APR.
Advertising disclosure: EmergencyLoaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.
- Runs in your browser
- No sign-up
- Free
Enter your numbers and press Calculate. Nothing you type leaves your browser.
How this calculator works
A cash advance is a cash withdrawal against a credit card. It usually carries a higher APR than purchases, a percentage fee on the amount advanced, and sometimes an ATM fee.
Upfront fees = (amount * fee percentage / 100) + ATM fee.
If you repay over several months, the monthly payment uses the standard amortization formula:
M = P * r * (1 + r)^n / ((1 + r)^n - 1)
where r is the cash-advance APR divided by 12 and then by 100, and n is the number of months. Total cost is the upfront fees plus the interest paid over the term.
The effective APR solves for the rate that equates the cash you actually receive, which is the amount minus the upfront fees, with the payments you make.
How to use this calculator
Enter your numbers
Everything runs in your browser. Nothing you type is sent to us.
Read the result
The result shows the headline figure and the numbers behind it, so you can see where the cost comes from.
Check the rules before you apply
State caps and licensing decide what a lender may offer you. The state reference lists both with their sources.
Before you apply, run the numbers
The calculators are free and run in your browser. When you are ready to look at real offers, the link below goes to our referral partner.
Advertising disclosure: EmergencyLoaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.