About CardCalc365
Our purpose
CardCalc365 provides free, educational calculators for US consumers comparing credit-card repayment choices. We focus on showing assumptions and costs rather than presenting a single payment as the “right” answer.
The site is created by James Gore. It is not a bank, card issuer, credit bureau, credit-repair agency, or financial adviser. No credit products are sold or recommended here.
Editorial approach
Our explanations distinguish simplified monthly models from issuer-specific daily-balance calculations. We use worked examples and openly disclose limitations.
Calculations are performed in your browser. We do not ask for account numbers, card numbers, or other sensitive financial credentials.