Do you know what your credit card debt
is really costing you?

Pay Down calculates the true cost of every credit card purchase after interest — and gives you free calculators to plan your way out of debt.

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The credit card debt app that does the math

Pay Down breaks down interest purchase by purchase, so you can see exactly where your money is going — and plan a way out.

Pay Down

See the true cost of every credit card purchase after interest. Free payoff, balance transfer, and minimum payment calculators. Available on iOS and Android.

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Free Calculators

See what a credit card purchase really costs after interest — no signup, no download. Start with the True Cost Calculator.

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Featured Story

"Most people know carrying a balance is expensive. Almost no one knows what each purchase actually costs them. Six months of per-purchase tracking taught me more about my spending than a decade of statements."

I Tracked the True Cost of Every Purchase for 6 Months — Here's What Changed

Read the story →

From the Pay Down Blog

The True Cost of Holiday Shopping on Credit

Holiday shoppers who carry December credit card balances often pay interest well into the following year, turning a fixed gift budget into a larger real cost. This article breaks down how seasonal carry works, with a worked example and calculator link.

August 7, 2026

How a $5 Daily Habit Really Costs You When You Carry a Balance

Small daily purchases like lunch, vending snacks, or rideshare trips compound into significant interest costs when carried on a credit card balance. This article explains how any sub-$15 daily habit accrues interest over time and shows a worked example of the true annual cost.

July 31, 2026

The True Cost of Dining Out on Credit

Dining out on a credit card with a carried balance adds invisible interest costs to every meal. This article breaks down how monthly restaurant and delivery spending compounds over time and what those meals truly cost after interest.

July 24, 2026

See all articles

Do you know what your credit card debtis really costing you?