Three calculators
These run entirely in your browser. Nothing you enter is sent to us or saved anywhere.
Overdraft fee annual cost calculator
Enter your bank's fee amount and how often it happens to see what your overdraft fees actually add up to over a year.
Assumptions this uses
- Annualizes your entered frequency evenly across 12 months — real patterns often vary month to month.
- Does not include extended or sustained overdraft fees, which some banks charge separately.
- Figures are estimates based on the numbers you provide, not your actual bank statements.
Limitations: This does not calculate what switching accounts would actually save you, since a different bank's other fees and features are not included, and it does not predict whether your bank will waive any fee.
Runs entirely in your browser.
Have these three things ready
Know roughly how many overdraft fees you've been charged in the last few months, whether this is your first time asking for a waiver, and how long you've held the account. Banks are far more likely to waive a fee for a longtime customer's first request — say that plainly when you call.
Snowball vs avalanche
If overdrafts have led to other debt, see whether paying your smallest balance or your highest-rate balance first gets you out sooner and for less total interest.
Assumptions this uses
- Interest accrues monthly on the remaining balance at the rate you enter.
- Minimum payments stay fixed at the amounts you enter for each debt.
- Your extra monthly amount is applied in full to whichever debt the chosen method prioritizes.
- Once a debt is paid off, its full former payment rolls into the next targeted debt.
- Figures are estimates based on the numbers you provide, not your actual statements.
Limitations: This does not account for changing interest rates, late fees, new charges added to any balance, or months where you can't make the full extra payment.
Runs entirely in your browser.
The Overdraft Fee Stop-and-Compare Workbook
A worksheet to total what your overdraft fees actually cost, compare a fee waiver against switching accounts, and know what to ask before you sign up for anything.
Get the free guide →Debt-to-income check
See your current debt-to-income ratio, a number nonprofit credit counselors look at when discussing whether recurring overdrafts point to a bigger cash-flow issue.
Assumptions this uses
- Uses gross (pre-tax) monthly income as the base, the standard most lenders and counselors use.
- Includes only debt and housing payments you enter, not general living expenses like groceries or utilities.
- Figures are estimates based on the numbers you provide, not a formal underwriting calculation.
Limitations: This does not calculate loan eligibility, does not replace a nonprofit credit counselor's full budget review, and does not account for irregular or variable income.
Runs entirely in your browser.
Partner link — we may be paid a fee at no cost to you. How we make money.
Compare no-overdraft-fee checking accounts
If you've decided switching accounts is the right route for your situation, comparing no-fee options before you move your direct deposit is worth five minutes.
See your options →