Overdraft cost calculator

Fees and interest on going overdrawn.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18

Overdrawn by

Days overdrawn

Flat fee

Overdraft APR

39%

Total cost

$38.21

Effective rate

465%

With these inputs, total cost comes to $38.21. Effective rate works out to 465%. The result assumes overdraft apr stays at 39%.

What moves the number · Total cost

Input	−10%	Now	+10%
Overdrawn by	$37.88	$38.21	$38.53
Days overdrawn	$37.88	$38.21	$38.53
Flat fee	$34.71	$38.21	$41.71
Overdraft APR	$37.88	$38.21	$38.53

Whatmakesequal

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Fees and interest on going overdrawn.

With the defaults above, total cost works out at $38.21.