{"product_id":"finance-charge","title":"Finance Charge Calculator","description":"\u003cstyle\u003e\n.fc-calculator {\n  --ink: #0f172a;\n  --muted: #475569;\n  --border: #e2e8f0;\n  --surface: #ffffff;\n  --tint: #f8fafc;\n  --primary: #1d4ed8;\n  --accent: #c2410c;\n  --accent-hover: #9a3412;\n  --chart-1: #1e40af;\n  --chart-2: #0d9488;\n  --chart-3: #7c3aed;\n  --chart-4: #be185d;\n  --chart-5: #334155;\n  width: 100%;\n  max-width: 1200px;\n  margin: 0 auto;\n  color: var(--ink);\n  background: var(--surface);\n  font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n  font-size: 15px;\n  line-height: 1.55;\n  container-type: inline-size;\n}\n.fc-calculator,\n.fc-calculator *,\n.fc-calculator *::before,\n.fc-calculator *::after { box-sizing: border-box; }\n.fc-calculator a { color: var(--primary); text-decoration-thickness: 1px; text-underline-offset: 2px; }\n.fc-calculator a:hover { text-decoration-thickness: 2px; }\n.fc-calculator button,\n.fc-calculator input,\n.fc-calculator select { font: inherit; }\n.fc-calculator button,\n.fc-calculator input,\n.fc-calculator select,\n.fc-calculator summary { min-height: 44px; }\n.fc-calculator button { cursor: pointer; }\n.fc-calculator :focus-visible { outline: 3px solid #60a5fa; outline-offset: 2px; }\n.fc-shell { display: grid; gap: 24px; min-width: 0; }\n.fc-header { display: grid; gap: 12px; padding: 24px; border: 1px solid var(--border); border-radius: 8px; background: linear-gradient(180deg, #ffffff 0%, var(--tint) 100%); box-shadow: 0 1px 2px rgba(15,23,42,.06); min-width: 0; }\n.fc-title { margin: 0; font-size: 24px; line-height: 1.25; font-weight: 700; letter-spacing: -.02em; }\n.fc-subtitle { margin: 0; max-width: 780px; color: var(--muted); }\n.fc-pills { display: flex; flex-wrap: wrap; gap: 8px; min-width: 0; }\n.fc-pill { display: inline-flex; align-items: center; gap: 8px; min-height: 34px; padding: 6px 10px; border: 1px solid var(--border); border-radius: 999px; background: var(--surface); color: var(--muted); font-size: 13px; font-weight: 500; font-variant-numeric: tabular-nums; }\n.fc-pill strong { color: var(--ink); font-weight: 700; }\n.fc-toolbar { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; min-width: 0; }\n.fc-button { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-width: 0; border: 1px solid transparent; border-radius: 6px; padding: 12px 18px; font-size: 15px; font-weight: 650; line-height: 1.2; white-space: nowrap; box-shadow: 0 1px 2px rgba(15,23,42,.06); transition: background .15s ease, border-color .15s ease, box-shadow .15s ease, transform .15s ease; }\n.fc-button:hover { box-shadow: 0 3px 8px rgba(15,23,42,.12); transform: translateY(-1px); }\n.fc-button-primary { color: #ffffff; background: var(--accent); border-color: var(--accent); }\n.fc-button-primary:hover { background: var(--accent-hover); border-color: var(--accent-hover); }\n.fc-button-secondary { color: var(--ink); background: var(--surface); border-color: #94a3b8; }\n.fc-icon { width: 18px; height: 18px; flex: 0 0 auto; }\n.fc-workspace { display: grid; grid-template-columns: minmax(0, 1fr); gap: 24px; align-items: start; min-width: 0; }\n.fc-panel,\n.fc-section { min-width: 0; border: 1px solid var(--border); border-radius: 8px; background: var(--surface); box-shadow: 0 1px 2px rgba(15,23,42,.06); }\n.fc-panel-head,\n.fc-section-head { padding: 20px 20px 0; min-width: 0; }\n.fc-section-title { margin: 0; font-size: 18px; line-height: 1.35; font-weight: 650; }\n.fc-section-intro { margin: 6px 0 0; color: var(--muted); font-size: 13px; font-weight: 500; }\n.fc-panel-body,\n.fc-section-body { padding: 20px; min-width: 0; }\n.fc-form { display: grid; gap: 16px; min-width: 0; }\n.fc-field-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 220px), 1fr)); gap: 16px; align-items: start; min-width: 0; }\n.fc-field { display: grid; grid-template-rows: auto 44px auto auto; gap: 6px; min-width: 0; }\n.fc-label { display: block; font-size: 14px; line-height: 1.35; font-weight: 600; color: var(--ink); }\n.fc-control { width: 100%; min-width: 0; height: 44px; border: 1px solid #94a3b8; border-radius: 6px; background: var(--surface); color: var(--ink); padding: 9px 12px; font-size: 15px; font-weight: 400; font-variant-numeric: tabular-nums; }\n.fc-control:hover { border-color: #64748b; }\n.fc-control[disabled] { background: #f1f5f9; color: #64748b; cursor: not-allowed; }\n.fc-help { min-height: 40px; margin: 0; color: var(--muted); font-size: 13px; line-height: 1.45; font-weight: 500; }\n.fc-error { min-height: 19px; margin: 0; color: #b91c1c; font-size: 13px; line-height: 1.4; font-weight: 600; }\n.fc-fieldset { margin: 0; min-width: 0; border: 0; padding: 0; }\n.fc-legend-label { margin: 0 0 6px; padding: 0; font-size: 14px; font-weight: 600; }\n.fc-segments { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 4px; min-width: 0; }\n.fc-segment { position: relative; min-width: 0; }\n.fc-segment input { position: absolute; opacity: 0; pointer-events: none; }\n.fc-segment label { display: flex; min-height: 44px; align-items: center; justify-content: center; padding: 8px; border: 1px solid #94a3b8; border-radius: 6px; background: var(--surface); color: var(--ink); font-size: 13px; font-weight: 650; text-align: center; cursor: pointer; }\n.fc-segment input:checked + label { color: #ffffff; background: var(--primary); border-color: var(--primary); }\n.fc-segment input:focus-visible + label { outline: 3px solid #60a5fa; outline-offset: 2px; }\n.fc-advanced { border-top: 1px solid var(--border); min-width: 0; }\n.fc-advanced summary { display: flex; align-items: center; justify-content: flex-start; gap: 8px; padding: 14px 20px; color: var(--ink); font-size: 14px; font-weight: 650; cursor: pointer; list-style: none; }\n.fc-advanced summary::-webkit-details-marker { display: none; }\n.fc-advanced summary::before { content: \"+\"; display: inline-flex; align-items: center; justify-content: center; width: 22px; height: 22px; border: 1px solid #94a3b8; border-radius: 50%; color: var(--primary); font-size: 16px; line-height: 1; }\n.fc-advanced[open] summary::before { content: \"−\"; }\n.fc-advanced-body { padding: 0 20px 20px; min-width: 0; }\n.fc-results { display: grid; gap: 16px; min-width: 0; }\n.fc-primary-result { display: grid; gap: 6px; padding: 20px; border: 1px solid #bfdbfe; border-radius: 8px; background: #eff6ff; min-width: 0; }\n.fc-primary-label { color: #1e3a8a; font-size: 13px; font-weight: 650; }\n.fc-primary-value { margin: 0; color: #172554; font-size: 30px; line-height: 1.15; font-weight: 700; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }\n.fc-primary-note { margin: 0; color: #1e3a8a; font-size: 13px; font-weight: 500; }\n.fc-result-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 160px), 1fr)); gap: 12px; min-width: 0; }\n.fc-result-card { display: grid; align-content: start; gap: 5px; min-width: 0; padding: 14px; border: 1px solid var(--border); border-radius: 8px; background: var(--tint); }\n.fc-result-label { color: var(--muted); font-size: 13px; font-weight: 600; }\n.fc-result-value { color: var(--ink); font-size: 20px; line-height: 1.25; font-weight: 700; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }\n.fc-result-help { color: var(--muted); font-size: 13px; font-weight: 500; }\n.fc-validation-summary { display: none; padding: 12px; border: 1px solid #fecaca; border-radius: 6px; background: #fef2f2; color: #991b1b; font-size: 13px; font-weight: 600; }\n.fc-validation-summary.fc-show { display: block; }\n.fc-breakdown-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 190px), 1fr)); gap: 12px; min-width: 0; }\n.fc-breakdown-card { min-width: 0; padding: 16px; border: 1px solid var(--border); border-radius: 8px; background: var(--tint); }\n.fc-breakdown-card span { display: block; color: var(--muted); font-size: 13px; font-weight: 600; }\n.fc-breakdown-card strong { display: block; margin-top: 4px; color: var(--ink); font-size: 20px; font-weight: 700; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }\n.fc-chart-card { display: grid; gap: 16px; min-width: 0; }\n.fc-chart-cluster { display: grid; grid-template-columns: minmax(0, 1fr); gap: 20px; align-items: end; justify-content: center; width: 100%; max-width: 1040px; margin: 0 auto; min-width: 0; }\n.fc-chart-plot { display: grid; place-items: center; min-width: 0; width: 100%; }\n.fc-chart-svg { display: block; width: 100%; height: auto; max-width: 780px; min-width: 0; overflow: visible; }\n.fc-chart-empty { display: none; width: 100%; padding: 16px; border: 1px dashed #94a3b8; border-radius: 6px; background: var(--tint); color: var(--muted); text-align: center; font-size: 13px; font-weight: 600; }\n.fc-chart-empty.fc-show { display: block; }\n.fc-chart-legend { display: grid; gap: 12px; align-content: start; justify-content: center; min-width: 0; }\n.fc-legend-row { display: grid; grid-template-columns: 12px minmax(92px, max-content) max-content; gap: 10px; align-items: center; min-width: 0; width: max-content; max-width: 100%; color: var(--ink); font-size: 13px; font-weight: 600; }\n.fc-legend-swatch { width: 12px; height: 12px; border-radius: 3px; }\n.fc-legend-name { min-width: 0; overflow-wrap: anywhere; }\n.fc-legend-value { font-variant-numeric: tabular-nums; white-space: nowrap; }\n.fc-chart-callout { margin-top: 16px; padding: 10px 12px; border: 1px solid var(--border); border-radius: 6px; background: var(--tint); color: var(--muted); font-size: 13px; font-weight: 500; }\n.fc-chart-summary { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }\n.fc-safe-stack .fc-chart-cluster { grid-template-columns: minmax(0, 1fr) !important; row-gap: 24px !important; }\n.fc-safe-stack .fc-chart-legend { justify-content: center !important; margin-top: 4px !important; }\n.fc-safe-stack .fc-chart-callout { margin-top: 20px !important; }\n.fc-table-wrap { width: 100%; min-width: 0; overflow-x: auto; border: 1px solid var(--border); border-radius: 6px; }\n.fc-table { width: 100%; min-width: 790px; border-collapse: collapse; font-size: 13px; font-variant-numeric: tabular-nums; }\n.fc-table th,\n.fc-table td { padding: 10px 12px; border-bottom: 1px solid var(--border); text-align: right; white-space: nowrap; }\n.fc-table th { color: #ffffff; background: #1e3a8a; font-weight: 700; }\n.fc-table th:first-child,\n.fc-table td:first-child { text-align: left; }\n.fc-table tbody tr:last-child td { border-bottom: 0; }\n.fc-table tbody tr:hover { background: #f8fafc; }\n.fc-table-note { margin-top: 16px; padding: 10px 12px; border: 1px solid var(--border); border-radius: 6px; background: var(--tint); color: var(--muted); font-size: 13px; font-weight: 500; }\n.fc-safe-table-stack .fc-table-note { margin-top: 20px !important; position: static !important; transform: none !important; }\n.fc-education { display: grid; gap: 24px; padding: 24px; min-width: 0; }\n.fc-education-section { min-width: 0; }\n.fc-education h2 { margin: 0 0 10px; font-size: 18px; line-height: 1.35; font-weight: 650; }\n.fc-education h3 { margin: 18px 0 8px; font-size: 16px; line-height: 1.4; font-weight: 650; }\n.fc-education p { margin: 0 0 12px; color: #334155; }\n.fc-education ul { margin: 0 0 12px; padding-left: 22px; color: #334155; }\n.fc-education li { margin: 6px 0; }\n.fc-formula { padding: 14px; border-left: 4px solid var(--primary); border-radius: 0 6px 6px 0; background: #eff6ff; color: #172554; font-weight: 650; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }\n@container (min-width: 900px) {\n  .fc-workspace { grid-template-columns: minmax(0, .92fr) minmax(0, 1.08fr); }\n}\n@container (min-width: 640px) {\n  .fc-chart-cluster { grid-template-columns: minmax(0, 780px) max-content; column-gap: 24px; }\n}\n@container (max-width: 639px) {\n  .fc-header,\n  .fc-panel-head,\n  .fc-panel-body,\n  .fc-section-head,\n  .fc-section-body,\n  .fc-education { padding-left: 16px; padding-right: 16px; }\n  .fc-toolbar { align-items: stretch; }\n  .fc-button { flex: 1 1 100%; }\n  .fc-chart-cluster { grid-template-columns: minmax(0, 1fr); row-gap: 20px; }\n  .fc-chart-legend { justify-content: center; }\n  .fc-chart-callout { margin-top: 12px; }\n  .fc-table-note { margin-top: 12px; }\n  .fc-help { min-height: 0; }\n  .fc-error:empty { display: none; }\n}\n@media (max-width: 639px) {\n  .fc-calculator { width: 100%; }\n}\n\u003c\/style\u003e\n\u003cdiv class=\"fc-calculator\" data-calculator-root\u003e\n  \u003cdiv class=\"fc-shell\"\u003e\n    \u003csection class=\"fc-header\"\u003e\n      \u003ch2 class=\"fc-title\"\u003eFinance Charge Calculator\u003c\/h2\u003e\n      \u003cp class=\"fc-subtitle\"\u003eEstimate the interest cost of carrying a balance for one day or a complete billing cycle, then project how repeated charges can affect the balance.\u003c\/p\u003e\n      \u003cdiv class=\"fc-pills\" aria-label=\"Live calculation summary\"\u003e\n        \u003cspan class=\"fc-pill\"\u003eDaily cost \u003cstrong class=\"fc-pill-daily\"\u003e$0.49\u003c\/strong\u003e\u003c\/span\u003e\n        \u003cspan class=\"fc-pill\"\u003ePeriod \u003cstrong class=\"fc-pill-period\"\u003e30 days\u003c\/strong\u003e\u003c\/span\u003e\n        \u003cspan class=\"fc-pill\"\u003eNew balance \u003cstrong class=\"fc-pill-balance\"\u003e$1,014.79\u003c\/strong\u003e\u003c\/span\u003e\n      \u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003cdiv class=\"fc-toolbar\" aria-label=\"Calculator actions\"\u003e\n      \u003cbutton class=\"fc-button fc-button-primary fc-download\" type=\"button\"\u003e\n        \u003csvg class=\"fc-icon\" viewbox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"\u003e\u003cpath fill=\"currentColor\" d=\"M12 3a1 1 0 0 1 1 1v8.59l2.3-2.29a1 1 0 1 1 1.4 1.42l-4 4a1 1 0 0 1-1.4 0l-4-4a1 1 0 1 1 1.4-1.42l2.3 2.29V4a1 1 0 0 1 1-1Zm-7 14a1 1 0 0 1 1 1v1h12v-1a1 1 0 1 1 2 0v2a1 1 0 0 1-1 1H5a1 1 0 0 1-1-1v-2a1 1 0 0 1 1-1Z\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n        \u003cspan\u003eDownload Excel\u003c\/span\u003e\n      \u003c\/button\u003e\n      \u003cbutton class=\"fc-button fc-button-secondary fc-reset\" type=\"button\"\u003eReset\u003c\/button\u003e\n    \u003c\/div\u003e\n\n    \u003csection class=\"fc-workspace\"\u003e\n      \u003cdiv class=\"fc-panel\"\u003e\n        \u003cdiv class=\"fc-panel-head\"\u003e\n          \u003ch3 class=\"fc-section-title\"\u003eBalance and rate\u003c\/h3\u003e\n          \u003cp class=\"fc-section-intro\"\u003eUse the balance and APR shown on your statement or credit agreement.\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"fc-panel-body\"\u003e\n          \u003cform class=\"fc-form\" novalidate\u003e\n            \u003cdiv class=\"fc-field-grid\"\u003e\n              \u003cdiv class=\"fc-field\"\u003e\n                \u003clabel class=\"fc-label\" for=\"fc-balance\"\u003eCurrent balance owed\u003c\/label\u003e\n                \u003cinput class=\"fc-control fc-money\" id=\"fc-balance\" name=\"fc-balance\" type=\"text\" inputmode=\"decimal\" value=\"$1,000.00\" aria-describedby=\"fc-balance-help fc-balance-error\"\u003e\n                \u003cp class=\"fc-help\" id=\"fc-balance-help\"\u003eThe carried balance used to calculate interest.\u003c\/p\u003e\n                \u003cp class=\"fc-error\" id=\"fc-balance-error\" aria-live=\"polite\"\u003e\u003c\/p\u003e\n              \u003c\/div\u003e\n              \u003cdiv class=\"fc-field\"\u003e\n                \u003clabel class=\"fc-label\" for=\"fc-apr\"\u003eAnnual percentage rate (APR)\u003c\/label\u003e\n                \u003cinput class=\"fc-control fc-percent\" id=\"fc-apr\" name=\"fc-apr\" type=\"text\" inputmode=\"decimal\" value=\"18.00%\" aria-describedby=\"fc-apr-help fc-apr-error\"\u003e\n                \u003cp class=\"fc-help\" id=\"fc-apr-help\"\u003eEnter the nominal annual rate, not the daily rate.\u003c\/p\u003e\n                \u003cp class=\"fc-error\" id=\"fc-apr-error\" aria-live=\"polite\"\u003e\u003c\/p\u003e\n              \u003c\/div\u003e\n              \u003cdiv class=\"fc-field\"\u003e\n                \u003clabel class=\"fc-label\" for=\"fc-mode\"\u003eCalculate for\u003c\/label\u003e\n                \u003cselect class=\"fc-control\" id=\"fc-mode\" name=\"fc-mode\" aria-describedby=\"fc-mode-help\"\u003e\n                  \u003coption value=\"cycle\" selected\u003eBilling cycle\u003c\/option\u003e\n                  \u003coption value=\"day\"\u003eOne day\u003c\/option\u003e\n                \u003c\/select\u003e\n                \u003cp class=\"fc-help\" id=\"fc-mode-help\"\u003eChoose a full statement period or a single day.\u003c\/p\u003e\n                \u003cp class=\"fc-error\"\u003e\u003c\/p\u003e\n              \u003c\/div\u003e\n              \u003cdiv class=\"fc-field\"\u003e\n                \u003clabel class=\"fc-label\" for=\"fc-period\"\u003eBilling cycle length\u003c\/label\u003e\n                \u003cinput class=\"fc-control fc-number\" id=\"fc-period\" name=\"fc-period\" type=\"text\" inputmode=\"decimal\" value=\"30\" aria-describedby=\"fc-period-help fc-period-error\"\u003e\n                \u003cp class=\"fc-help\" id=\"fc-period-help\"\u003eA typical credit-card cycle is about 28–31 days.\u003c\/p\u003e\n                \u003cp class=\"fc-error\" id=\"fc-period-error\" aria-live=\"polite\"\u003e\u003c\/p\u003e\n              \u003c\/div\u003e\n            \u003c\/div\u003e\n\n            \u003cfieldset class=\"fc-fieldset\"\u003e\n              \u003clegend class=\"fc-legend-label\"\u003eCycle length unit\u003c\/legend\u003e\n              \u003cdiv class=\"fc-segments\"\u003e\n                \u003cdiv class=\"fc-segment\"\u003e\n                  \u003cinput id=\"fc-unit-days\" name=\"fc-unit\" type=\"radio\" value=\"days\" checked\u003e\n                  \u003clabel for=\"fc-unit-days\"\u003eDays\u003c\/label\u003e\n                \u003c\/div\u003e\n                \u003cdiv class=\"fc-segment\"\u003e\n                  \u003cinput id=\"fc-unit-weeks\" name=\"fc-unit\" type=\"radio\" value=\"weeks\"\u003e\n                  \u003clabel for=\"fc-unit-weeks\"\u003eWeeks\u003c\/label\u003e\n                \u003c\/div\u003e\n                \u003cdiv class=\"fc-segment\"\u003e\n                  \u003cinput id=\"fc-unit-months\" name=\"fc-unit\" type=\"radio\" value=\"months\"\u003e\n                  \u003clabel for=\"fc-unit-months\"\u003eMonths\u003c\/label\u003e\n                \u003c\/div\u003e\n              \u003c\/div\u003e\n            \u003c\/fieldset\u003e\n          \u003c\/form\u003e\n        \u003c\/div\u003e\n        \u003cdetails class=\"fc-advanced\"\u003e\n          \u003csummary\u003eProjection and optional fee settings\u003c\/summary\u003e\n          \u003cdiv class=\"fc-advanced-body\"\u003e\n            \u003cdiv class=\"fc-field-grid\"\u003e\n              \u003cdiv class=\"fc-field\"\u003e\n                \u003clabel class=\"fc-label\" for=\"fc-fee\"\u003eAdditional fee per period\u003c\/label\u003e\n                \u003cinput class=\"fc-control fc-money\" id=\"fc-fee\" name=\"fc-fee\" type=\"text\" inputmode=\"decimal\" value=\"$0.00\" aria-describedby=\"fc-fee-help fc-fee-error\"\u003e\n                \u003cp class=\"fc-help\" id=\"fc-fee-help\"\u003eOptional fee added after interest, such as a periodic account charge.\u003c\/p\u003e\n                \u003cp class=\"fc-error\" id=\"fc-fee-error\" aria-live=\"polite\"\u003e\u003c\/p\u003e\n              \u003c\/div\u003e\n              \u003cdiv class=\"fc-field\"\u003e\n                \u003clabel class=\"fc-label\" for=\"fc-cycles\"\u003eProjection cycles\u003c\/label\u003e\n                \u003cinput class=\"fc-control fc-number\" id=\"fc-cycles\" name=\"fc-cycles\" type=\"text\" inputmode=\"numeric\" value=\"12\" aria-describedby=\"fc-cycles-help fc-cycles-error\"\u003e\n                \u003cp class=\"fc-help\" id=\"fc-cycles-help\"\u003eProjects repeated charges with no payments or new purchases.\u003c\/p\u003e\n                \u003cp class=\"fc-error\" id=\"fc-cycles-error\" aria-live=\"polite\"\u003e\u003c\/p\u003e\n              \u003c\/div\u003e\n            \u003c\/div\u003e\n          \u003c\/div\u003e\n        \u003c\/details\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"fc-panel\"\u003e\n        \u003cdiv class=\"fc-panel-head\"\u003e\n          \u003ch3 class=\"fc-section-title\"\u003eLive results\u003c\/h3\u003e\n          \u003cp class=\"fc-section-intro\"\u003eResults update as you type. Figures are estimates and may differ from issuer calculations.\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"fc-panel-body fc-results\"\u003e\n          \u003cdiv class=\"fc-validation-summary\" role=\"alert\"\u003e\u003c\/div\u003e\n          \u003cdiv class=\"fc-primary-result\" aria-live=\"polite\" aria-atomic=\"true\"\u003e\n            \u003cspan class=\"fc-primary-label\"\u003eFinance charge for the selected period\u003c\/span\u003e\n            \u003cp class=\"fc-primary-value\"\u003e$14.79\u003c\/p\u003e\n            \u003cp class=\"fc-primary-note\"\u003eInterest plus any optional period fee.\u003c\/p\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"fc-result-grid\"\u003e\n            \u003cdiv class=\"fc-result-card\"\u003e\n              \u003cspan class=\"fc-result-label\"\u003eInterest charge\u003c\/span\u003e\n              \u003cstrong class=\"fc-result-value fc-result-interest\"\u003e$14.79\u003c\/strong\u003e\n              \u003cspan class=\"fc-result-help\"\u003eRate-based cost only\u003c\/span\u003e\n            \u003c\/div\u003e\n            \u003cdiv class=\"fc-result-card\"\u003e\n              \u003cspan class=\"fc-result-label\"\u003eNew opening balance\u003c\/span\u003e\n              \u003cstrong class=\"fc-result-value fc-result-new-balance\"\u003e$1,014.79\u003c\/strong\u003e\n              \u003cspan class=\"fc-result-help\"\u003eIf nothing is paid\u003c\/span\u003e\n            \u003c\/div\u003e\n            \u003cdiv class=\"fc-result-card\"\u003e\n              \u003cspan class=\"fc-result-label\"\u003eDaily interest rate\u003c\/span\u003e\n              \u003cstrong class=\"fc-result-value fc-result-daily-rate\"\u003e0.0493%\u003c\/strong\u003e\n              \u003cspan class=\"fc-result-help\"\u003eAPR divided by 365\u003c\/span\u003e\n            \u003c\/div\u003e\n            \u003cdiv class=\"fc-result-card\"\u003e\n              \u003cspan class=\"fc-result-label\"\u003eDaily interest charge\u003c\/span\u003e\n              \u003cstrong class=\"fc-result-value fc-result-daily-charge\"\u003e$0.49\u003c\/strong\u003e\n              \u003cspan class=\"fc-result-help\"\u003eBalance × daily rate\u003c\/span\u003e\n            \u003c\/div\u003e\n            \u003cdiv class=\"fc-result-card\"\u003e\n              \u003cspan class=\"fc-result-label\"\u003ePeriod cost rate\u003c\/span\u003e\n              \u003cstrong class=\"fc-result-value fc-result-period-rate\"\u003e1.48%\u003c\/strong\u003e\n              \u003cspan class=\"fc-result-help\"\u003eCharge ÷ starting balance\u003c\/span\u003e\n            \u003c\/div\u003e\n            \u003cdiv class=\"fc-result-card\"\u003e\n              \u003cspan class=\"fc-result-label\"\u003eProjected closing balance\u003c\/span\u003e\n              \u003cstrong class=\"fc-result-value fc-result-projected\"\u003e$1,192.72\u003c\/strong\u003e\n              \u003cspan class=\"fc-result-help\"\u003eAfter selected cycles\u003c\/span\u003e\n            \u003c\/div\u003e\n          \u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003csection class=\"fc-section fc-breakdown\"\u003e\n      \u003cdiv class=\"fc-section-head\"\u003e\n        \u003ch3 class=\"fc-section-title\"\u003eCurrent-period breakdown\u003c\/h3\u003e\n        \u003cp class=\"fc-section-intro\"\u003eThe total finance charge combines interest and any fee entered above.\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"fc-section-body\"\u003e\n        \u003cdiv class=\"fc-breakdown-grid\"\u003e\n          \u003cdiv class=\"fc-breakdown-card\"\u003e\n\u003cspan\u003eStarting balance\u003c\/span\u003e\u003cstrong class=\"fc-breakdown-start\"\u003e$1,000.00\u003c\/strong\u003e\n\u003c\/div\u003e\n          \u003cdiv class=\"fc-breakdown-card\"\u003e\n\u003cspan\u003eInterest component\u003c\/span\u003e\u003cstrong class=\"fc-breakdown-interest\"\u003e$14.79\u003c\/strong\u003e\n\u003c\/div\u003e\n          \u003cdiv class=\"fc-breakdown-card\"\u003e\n\u003cspan\u003eFee component\u003c\/span\u003e\u003cstrong class=\"fc-breakdown-fee\"\u003e$0.00\u003c\/strong\u003e\n\u003c\/div\u003e\n          \u003cdiv class=\"fc-breakdown-card\"\u003e\n\u003cspan\u003eTotal finance charge\u003c\/span\u003e\u003cstrong class=\"fc-breakdown-total\"\u003e$14.79\u003c\/strong\u003e\n\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003csection class=\"fc-section fc-chart-section\"\u003e\n      \u003cdiv class=\"fc-section-head\"\u003e\n        \u003ch3 class=\"fc-section-title\"\u003eBalance growth projection\u003c\/h3\u003e\n        \u003cp class=\"fc-section-intro fc-chart-interpretation\"\u003eSee how repeated finance charges can accumulate when no payment is made.\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"fc-section-body fc-chart-card\"\u003e\n        \u003cdiv class=\"fc-chart-cluster\"\u003e\n          \u003cdiv class=\"fc-chart-plot\"\u003e\n            \u003csvg class=\"fc-chart-svg\" viewbox=\"0 0 760 340\" role=\"img\" aria-labelledby=\"fc-chart-title fc-chart-desc\"\u003e\u003c\/svg\u003e\n            \u003cdiv class=\"fc-chart-empty\" role=\"status\"\u003eEnter a positive balance, rate or fee, and at least one projection cycle to see the projection.\u003c\/div\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"fc-chart-legend\" aria-label=\"Projection legend\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"fc-chart-callout\"\u003eAt the current assumptions, the projected balance after 12 cycles is \u003cstrong class=\"fc-chart-callout-value\"\u003e$1,192.72\u003c\/strong\u003e. This projection assumes no payments, credits, or new purchases.\u003c\/div\u003e\n        \u003cdiv class=\"fc-chart-summary\" id=\"fc-chart-desc\"\u003e\u003c\/div\u003e\n      \u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003csection class=\"fc-section fc-table-section\"\u003e\n      \u003cdiv class=\"fc-section-head\"\u003e\n        \u003ch3 class=\"fc-section-title\"\u003eCycle-by-cycle projection\u003c\/h3\u003e\n        \u003cp class=\"fc-section-intro\"\u003eEach row uses the prior closing balance as the next cycle's opening balance.\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"fc-section-body\"\u003e\n        \u003cdiv class=\"fc-table-wrap\" tabindex=\"0\" aria-label=\"Scrollable finance charge projection table\"\u003e\n          \u003ctable class=\"fc-table\"\u003e\n            \u003cthead\u003e\n              \u003ctr\u003e\n                \u003cth scope=\"col\"\u003eCycle\u003c\/th\u003e\n                \u003cth scope=\"col\"\u003eOpening balance\u003c\/th\u003e\n                \u003cth scope=\"col\"\u003eInterest\u003c\/th\u003e\n                \u003cth scope=\"col\"\u003eFee\u003c\/th\u003e\n                \u003cth scope=\"col\"\u003eFinance charge\u003c\/th\u003e\n                \u003cth scope=\"col\"\u003eClosing balance\u003c\/th\u003e\n                \u003cth scope=\"col\"\u003eCumulative charges\u003c\/th\u003e\n              \u003c\/tr\u003e\n            \u003c\/thead\u003e\n            \u003ctbody class=\"fc-table-body\"\u003e\u003c\/tbody\u003e\n          \u003c\/table\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"fc-table-note\"\u003eProjection rows are illustrative. Actual card statements can differ because issuers may use average daily balance, daily balance, adjusted balance, ending balance, or another disclosed method.\u003c\/div\u003e\n      \u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003csection class=\"fc-section fc-education\"\u003e\n      \u003cdiv class=\"fc-education-section\"\u003e\n        \u003ch2\u003eWhat does this finance charge calculator estimate?\u003c\/h2\u003e\n        \u003cp\u003eThis calculator estimates the dollar cost of carrying an unpaid balance for a selected number of days. The default example uses a $1,000 balance, an 18% annual percentage rate, and a 30-day billing cycle. Under a simple daily-rate method, that produces $14.79 of interest and a new balance of $1,014.79 when no payment is made. You can also add a separate fee to see a broader total finance charge.\u003c\/p\u003e\n        \u003cp\u003eA finance charge can include interest and certain fees connected with credit. The exact treatment depends on the agreement and applicable disclosure rules. The \u003ca href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-finance-charge-en-1207\/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eConsumer Financial Protection Bureau's explanation of finance charges\u003c\/a\u003e is a useful starting point, while the lender's pricing and disclosures remain the controlling source for a specific account.\u003c\/p\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"fc-education-section\"\u003e\n        \u003ch2\u003eHow should each input be used?\u003c\/h2\u003e\n        \u003ch3\u003eCurrent balance owed\u003c\/h3\u003e\n        \u003cp\u003eEnter the balance on which the issuer applies interest. This may be the previous balance, ending balance, adjusted balance, or average daily balance, depending on the account method. A higher balance increases the daily and period finance charge proportionally. Entering zero produces no interest, although an optional fee can still create a finance charge.\u003c\/p\u003e\n        \u003ch3\u003eAnnual percentage rate (APR)\u003c\/h3\u003e\n        \u003cp\u003eEnter the nominal annual rate shown in the account terms. The calculator divides APR by 365 to obtain a daily periodic rate. A higher APR increases every interest result and compounds more quickly in the projection. Do not enter the daily rate in this field. A value of 18 means 18%, not 0.18%.\u003c\/p\u003e\n        \u003ch3\u003eCalculate for and billing cycle length\u003c\/h3\u003e\n        \u003cp\u003eSelect “Billing cycle” to calculate over the entered period, or “One day” to force a one-day result. The cycle length can be expressed in days, weeks, or months. Changing the unit converts the current period rather than merely relabeling it. Months use an average of 365 divided by 12 days for consistent annualization. A longer period creates a larger charge when balance and APR are unchanged.\u003c\/p\u003e\n        \u003ch3\u003eAdditional fee per period\u003c\/h3\u003e\n        \u003cp\u003eThis optional advanced field adds a fixed dollar amount after the interest calculation. Use it only for a fee that truly applies to the selected period. It is not converted into APR and should not be used to recreate every fee in a complex disclosure. Leaving it at zero keeps the result aligned with an interest-only finance charge.\u003c\/p\u003e\n        \u003ch3\u003eProjection cycles\u003c\/h3\u003e\n        \u003cp\u003eThis controls the number of repeated periods shown in the chart and table. The projection assumes the entire closing balance carries into the next period, with no payment, new purchase, credit, promotional rate change, or grace period. More cycles increase the displayed cumulative charge and normally increase the closing balance.\u003c\/p\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"fc-education-section\"\u003e\n        \u003ch2\u003eHow is the finance charge calculated?\u003c\/h2\u003e\n        \u003cp class=\"fc-formula\"\u003eDaily rate = APR ÷ 100 ÷ 365\u003cbr\u003ePeriod interest = balance × daily rate × number of days\u003cbr\u003eTotal finance charge = period interest + optional fee\u003cbr\u003eNew balance = starting balance + total finance charge\u003c\/p\u003e\n        \u003cp\u003eThis is a straightforward simple-interest estimate for the selected period. It works well when the relevant balance is already known. It does not independently reconstruct an average daily balance from purchases and payments. Regulation Z contains detailed federal disclosure rules for consumer credit; the current text is available in \u003ca href=\"https:\/\/www.ecfr.gov\/current\/title-12\/chapter-X\/part-1026\" target=\"_blank\" rel=\"noopener noreferrer\"\u003e12 CFR Part 1026\u003c\/a\u003e.\u003c\/p\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"fc-education-section\"\u003e\n        \u003ch2\u003eHow should the results be interpreted?\u003c\/h2\u003e\n        \u003cp\u003e\u003cstrong\u003eFinance charge for the selected period\u003c\/strong\u003e is the main result. It combines the interest charge and optional fee. A zero result means the entered rate, balance, fee, or period produces no charge. A larger value can be driven by a larger balance, higher APR, longer period, or added fee.\u003c\/p\u003e\n        \u003cp\u003e\u003cstrong\u003eInterest charge\u003c\/strong\u003e excludes the optional fee. \u003cstrong\u003eNew opening balance\u003c\/strong\u003e shows what would carry forward if the charge is added and nothing is paid. \u003cstrong\u003eDaily interest rate\u003c\/strong\u003e is the APR divided by 365, while \u003cstrong\u003edaily interest charge\u003c\/strong\u003e translates that rate into dollars on the current balance. \u003cstrong\u003ePeriod cost rate\u003c\/strong\u003e divides the total period charge by the starting balance; it is a period-specific comparison metric, not an annualized APR.\u003c\/p\u003e\n        \u003cp\u003e\u003cstrong\u003eProjected closing balance\u003c\/strong\u003e is the final balance after the chosen number of cycles under the no-payment assumption. The line chart compares the projected closing balance with cumulative finance charges. The table shows the same model cycle by cycle, including opening balance, interest, fee, total charge, closing balance, and cumulative charges. Chart, table, summary, and Excel workbook all use the same current-state calculations.\u003c\/p\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"fc-education-section\"\u003e\n        \u003ch2\u003eWhat common mistakes can distort the estimate?\u003c\/h2\u003e\n        \u003cul\u003e\n          \u003cli\u003eUsing the statement balance when the issuer applies interest to an average daily balance.\u003c\/li\u003e\n          \u003cli\u003eEntering 0.18 instead of 18 for an 18% APR.\u003c\/li\u003e\n          \u003cli\u003eAssuming every purchase receives a grace period. Cash advances and some balance transfers may accrue interest immediately.\u003c\/li\u003e\n          \u003cli\u003eAdding a fee that is already reflected elsewhere in the disclosed APR or balance.\u003c\/li\u003e\n          \u003cli\u003eTreating the projection as a payoff schedule even though it assumes no payments.\u003c\/li\u003e\n        \u003c\/ul\u003e\n        \u003cp\u003ePaying the statement balance in full by the due date may avoid purchase interest when a grace period applies. The CFPB explains \u003ca href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-grace-period-for-a-credit-card-en-47\/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ehow credit-card grace periods work\u003c\/a\u003e and offers broader \u003ca href=\"https:\/\/www.consumerfinance.gov\/consumer-tools\/credit-cards\/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ecredit-card consumer resources\u003c\/a\u003e. This calculator is educational and does not provide individualized financial, legal, or tax advice.\u003c\/p\u003e\n      \u003c\/div\u003e\n    \u003c\/section\u003e\n  \u003c\/div\u003e\n\u003c\/div\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49909482225907,"sku":"finance-charge","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/finance-charge.webp?v=1783935407","url":"https:\/\/financialmodelslab.com\/products\/finance-charge","provider":"Financial Models Lab","version":"1.0","type":"link"}