Credit scores
Credit utilization calculator
What is my credit utilization?
United States
Make smarter money decisions
Understand how credit, interest and savings actually work in the United States, run the numbers on your own situation, and compare the options — with every figure traced back to a source you can check.
Free, no account needed. 9 calculators and 16 guides for the United States.
Calculators
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Saving
Compound interest calculator
What will my savings grow to?
Credit cards
Credit card interest calculator
How much interest will my credit card cost?
Debt
Debt payoff calculator
What order should I pay my debts off in?
Saving
Savings goal calculator
How much do I need to save each month?
Topics
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Written for the United States, not adapted from somewhere else.
Credit cards
How cards charge interest, what the fees mean, and how to pick one that fits.
Credit scores
What is measured, what moves a score, and what nothing can move quickly.
Banking
Everyday accounts, savings accounts, interest rates and deposit protection.
Saving
Emergency funds, compound growth and getting a savings habit to stick.
Debt
What debt actually costs, and the orders of repayment that cost least.
Money basics
The vocabulary: APR, APY, AER, interest, inflation and the rest.
Popular questions
Straight answers
How much of my money is protected by FDIC insurance?
The standard FDIC insurance amount is $250,000 per depositor, per insured bank, for each ownership category. Because it is per category, a single person can be covered for more than $250,000 at one bank by holding money in different capacities — for example individually and jointly.
What is a high-yield savings account?
A high-yield savings account is an ordinary savings account paying a materially higher APY than a typical branch bank. There is no legal definition or minimum threshold — the term is marketing. What makes the difference is usually the provider's cost base: online-only banks have no branch network to fund.
What is APY?
APY — annual percentage yield — is what a deposit earns over a year once interest starts earning interest. Under the Truth in Savings Act, US banks must quote deposit returns as APY, calculated the same way by everyone, so you can compare two accounts on one figure.
How is credit card interest calculated?
Most US issuers divide your APR by 365 to get a daily periodic rate, apply it to your average daily balance, and add the result to your balance each billing cycle. Because that interest then earns interest, a carried balance compounds. If you pay your statement balance in full by the due date, the grace period means you are charged no interest on purchases at all.
What happens if I only pay the minimum on my credit card?
You stay current and avoid a late mark, but you clear the balance extremely slowly and pay far more in interest than the debt itself. A minimum payment is typically a small percentage of the balance or a flat floor, whichever is greater — set at the level that keeps the account in good standing, not the level that repays it.
What is credit utilization?
Credit utilization is the percentage of your available revolving credit that you are currently using — total card balances divided by total card limits. It sits inside the "amounts owed" category, which carries roughly 30% of a FICO score, and unlike payment history it can change within a single billing cycle.
How this site works
Why you can check everything here
Sources you can open
Anything that can change — a rate, a limit, a rule — cites the CFPB or the provider directly, with the date we checked it.
Written per country
APY rather than someone else’s convention, checking accounts rather than a translated term, and FDIC deposit insurance where it applies.
Nothing invented
We do not publish a rate or a fee we have not read on the provider’s own page. Where a figure is unverified, it does not appear.
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Latest
Recently published and updated
Banking
FDIC Insurance: What's Covered and What Isn't
FDIC insurance protects deposits at insured banks if the bank fails. Here is the standard limit, how ownership categories multiply it, and what is not covered at all.
Updated August 25, 2026 · 3 min read
Banking
High-Yield Savings Accounts: What to Look For
What makes an account high-yield, what the advertised APY may be hiding, and when a savings account beats a CD.
Updated August 25, 2026 · 3 min read
Banking
What Is APY? How Savings Interest Is Quoted
APY is the annual return on a deposit including compounding. US banks are required to quote it, which is what makes savings accounts comparable on one number.
Updated August 25, 2026 · 3 min read
Credit cards
How Credit Card Interest Works
Card interest is charged daily on an average balance, not monthly on the closing one. Understanding the grace period is what makes the difference between paying nothing and paying a lot.
Updated August 25, 2026 · 4 min read
Credit cards
Credit Card Minimum Payments: What They Really Cost
The minimum payment is designed to keep an account current, not to clear it. Here is what that means in years and dollars.
Updated August 25, 2026 · 3 min read
Credit scores
Credit Utilization: What It Is and How to Lower It
Credit utilization is the share of your available credit you are using. It is one of the heaviest factors in your score — and the fastest one to change.
Updated August 25, 2026 · 3 min read