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Paycheck advance cash and fee calculator

See the cash you receive, the cost of one use and the payment dates. Then check the next pay period with the same payments.

By Rung Editorial · October 19, 2026

For paycheck and app advances. Card interest and ATM fees need a different check.

The calculator needs JavaScript. The example and explanation below still work if it cannot load. No entries are sent.

Your advance and charges

Fictional example. Replace each entry with your own terms.

Use the amount the service advances before taking out any fee.
Use a whole number from 1 to 52. This divides the plan cost and sets a repeat example.
Enter $0 only if you know there is no charge.
Enter $0 only if you know there is no charge.
Use the full bill, not a share per advance.
Needed only when a plan charge is above $0.

Do not guess an unknown fee. Find it in the terms before using a total.

The tool has not loaded yet

No result is shown. Read the fictional example and method below if the calculator cannot load.

Will the next pay period fit?

This uses the payment dates above. Add your pay and bills to check the total before the following payday. It does not check each bill date.

Use the same payments in a pay check
After taxes and ordinary deductions. The checkbox below says whether the advance is already taken out.
Do not count the advance again if it has already been spent.
Payments on this following date belong to the next period.
Include food and travel. Keep advance and plan charges out of this field so they are counted once.

What this check counts

The cost per use includes delivery, a chosen tip and a share of one monthly plan. The payment list uses the full plan bill on its date. Those are different views of the same charges.

A fee taken before delivery reduces cash received. It is not added to the later repayment again. Separately paid charges stay on their own dates. The tool does not check a provider’s price, your eligibility, account charges, interest or failed-payment costs.

If fees are unknown or depend on another rule, check the terms before using a total. Dates and amounts here are your entries, not a verified payment schedule.

Fictional example

A $200 advance, $4 delivery charge paid with repayment, no tip and a $6 plan used twice costs $7 per use. It sends $200 now, collects $204 on October 29, and bills the full $6 on November 1. At this pace, fees are $14 for a month and $168 for 12 identical months.

The next-pay example uses $1,200 of pay and $1,050 of basic costs. The $204 repayment plus $6 plan leave a $60 gap. If a bill is due before pay, use the dated check below.

Use the next step that fits the gap

Check multiple repayments and bill dates or compare a later bill date. Entries are not carried between pages. Check the actual amounts again.

Calculation method and sources

Assigned cost = delivery fee + tip + monthly plan divided by expected monthly uses. Monthly fees = per-use fees times uses + one full plan. Yearly fees repeat that month 12 times. Plan allocation is not rounded before totals.

The optional simple annualized comparison uses assigned cost divided by cash received, times 365 divided by days, times 100. It is not statutory APR. It does not account for the time value of separately dated fees. Dollars and payment dates remain the main result.

Published CFPB opinion · Historical CFPB study. The study’s 2021–2022 sample does not set current prices.