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Credit Card Interest Calculator
Estimate the finance charge on your Philippine credit card statement using BSP rules.
PH
Compute Your Interest Charge
Based on BSP Circular 1098 — max 3% / month (36% APR) on unpaid balances
How to use this calculator: Enter the unpaid balance on your card, the purchase APR from your statement, and the number of days in your billing cycle. Results update instantly.
Use your Average Daily Balance for the most accurate result. A ballpark is the outstanding balance on your statement.
Enter your card's purchase APR. BSP caps this at 36% per year (3% per month).
Most PH billing cycles are 28–31 days. Use 30 as a default if you're unsure.
Enter your balance above to see your estimated finance charge.
This calculator is for educational purposes only and is based on typical practices in the Philippine credit card industry under BSP Circular No. 1098. Your actual interest charge may differ depending on your issuer's computation method (Average Daily Balance, previous balance, or two-cycle), cash advance fees, late payment penalties, and other card-specific policies.
Frequently Asked Questions
Philippine credit card interest rules under BSP regulations.