How do I get the most interest-free days?

Buy right after a card's statement closes: the purchase lands on the next statement and you only pay at the following due date.

Why keep utilization under 30%?

Credit bureaus weigh how much of your limit you use. Staying under about 30% on each card protects your score and your ability to raise limits.

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Credit-card float calculator

Enter your cards and the purchase. We pick the card whose next due date is farthest away while keeping utilization in check. Nothing is saved.

Longest interest-free window first, then utilization under 30%, then cashback.

Purchase amount (CAD)

Purchase date

Your cards

Card name

Limit (CAD)

Current balance (CAD)

Statement day

Payment due day

Grace period (days)

Cashback (%)

Card name

Limit (CAD)

Current balance (CAD)

Statement day

Payment due day

Grace period (days)

Cashback (%)

Best card

Mastercard

Due Nov 8, 2026 · 21 interest-free days

Utilization after purchase

37.5%

Above the recommended 30%

Cashback

$50.00

Card	Available	Interest-free days	Next due date	Utilization	Fits
Visa	$8,500.00	9	Oct 26, 2026	40.0%	Yes
Mastercard	$7,500.00	21	Nov 8, 2026	37.5%	Yes

Grace window = days until the card's next payment due date, capped by its grace period. Purchases must fit the available credit.

Save your cards and get a payment calendar in Smart CC Flow (free account).

Frequently asked questions

How do I get the most interest-free days?: Buy right after a card's statement closes: the purchase lands on the next statement and you only pay at the following due date.
Why keep utilization under 30%?: Credit bureaus weigh how much of your limit you use. Staying under about 30% on each card protects your score and your ability to raise limits.

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Credit-card float calculator

Your cards

Frequently asked questions

Turn these numbers into real inventory

Other free calculators

Credit-card float calculator

Your cards

Frequently asked questions

Turn these numbers into real inventory

Other free calculators