Free loan, credit card and bill tools for the US and Europe. Last reviewed November 10, 2026.
Credit card due date calculator
Find your due date, see how long a purchase has before you would owe interest, and estimate what a late payment costs. Use your own statement for the dates and your card agreement for the rate.
Assumptions. Issuers differ. Some charge interest from the purchase date, some add fees, and some use a different cut-off for a purchase made on the statement date. These results are planning figures, not your issuer's bill. Last reviewed November 10, 2026.
How the three results are worked out
Due date. The statement date plus the number of days you enter. Grace period. The calculator finds the statement your purchase falls into, adds the days to the due date, and counts the days from the purchase to that due date. Late cost. The unpaid amount times the yearly rate, divided by 365, times the days late, plus any fee you enter.
In the US, Regulation Z requires issuers to send periodic statements at least 21 days before the due date (12 CFR 1026.5(b)(2)(ii)). You can read the rule on the Consumer Financial Protection Bureau website.
Frequently asked questions
What is the difference between the statement date and the due date?
The statement date is the day your card issuer closes the billing cycle and creates your bill. The due date comes some days later and is the last day to pay without a late fee. Both are printed on your statement.
What is a grace period?
It is the time between a purchase and the due date, during which most cards charge no interest on new purchases if you paid your previous statement in full. A purchase made just after the statement date gets the longest grace period. If you carry a balance from month to month, you usually lose the grace period until you pay in full.
How many days do I get between the statement and the due date?
In the US, federal rules require your issuer to send or make available your statement at least 21 days before the payment due date. Many cards give a little longer. In the UK and the EU the timing varies by issuer and country, so look at your own statement.
What happens if I pay only the minimum payment?
The minimum payment keeps your account in good standing, but interest is charged on the balance you leave unpaid, and you may lose the grace period on new purchases. Your cardholder agreement explains how your issuer handles it.
How early should I pay?
A day or two before the due date. Bank transfers and some payment methods take time to reach the card account, and a payment that arrives after the cut-off time can still count as late.
Why is the estimate different from my statement?
Issuers may charge interest from the purchase date, use an average daily balance, add fees, and round differently. The estimate here uses simple daily interest on the unpaid amount from the due date, so treat it as a rough guide.