Find out exactly what you'll pay in fees and the true effective APR — then compare FrontPay, EarnIn, Brigit, and Dave side by side instantly.
How this calculator works: Fees shown are based on each service's publicly disclosed pricing as of June 2026. Effective APR = (Fee ÷ Advance Amount) × (365 ÷ Loan Days) × 100. Tip amounts for EarnIn assume an optional $0 tip. Actual costs may vary.
At this advance amount, FrontPay's $14.99 fee represents 15% of your advance. Consider a lower-cost alternative.
EarnIn offers up to $150/day with $0 mandatory fees. For a $100 advance over 14 days, your total cost with EarnIn is $0 (optional tip only).
| Service | Advance | Monthly Fee | Your Total Fee | You Repay | Effective APR | Best For |
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This free calculator helps you understand the real cost of borrowing through cash advance apps — including FrontPay, EarnIn, Brigit, Dave, and more. Most apps advertise "no interest," which is technically true, but monthly subscription fees, express transfer fees, and optional tips all add up to an effective annual percentage rate (APR) that can be surprisingly high.
Drag the slider to match how much cash you actually need — from $15 to $1,000.
Choose how many days until you repay — typically the number of days to your next payday.
See the true cost, effective APR, and how much you'd save by switching to a lower-cost service.
Cash advance apps avoid the word "interest" intentionally — their fees are structured as subscriptions or tips instead. But when you calculate what you're actually paying relative to what you borrowed and for how long, the numbers can be striking. A $14.99 monthly fee on a $20 advance over 14 days equals an effective APR of over 1,950%. The same $20 advance through EarnIn costs $0 in mandatory fees.
The calculator above uses real-world fee schedules collected from each service's terms of service and updated quarterly. For services with variable pricing (like express transfer fees that depend on advance amount), we use the median fee charged for the advance size you select.
For tip-based services like EarnIn, we calculate two scenarios: zero tips (the literal mandatory cost) and average tips at 8% of advance amount based on aggregated user data published in fintech industry reports. Both numbers are shown so you can see the realistic range.
A $14.99 monthly subscription sounds cheap compared to a 36% APR personal loan, but the math reveals otherwise. If you take a single $50 advance and repay it in 14 days, that $14.99 represents approximately 780% effective APR on an annualized basis. The shorter the repayment period and smaller the advance, the higher the effective APR climbs.
Personal loans typically run 6%-36% APR for borrowers with reasonable credit. Even high-cost personal loans often work out cheaper than subscription-based cash advances for users who borrow small amounts infrequently. The calculator above makes this comparison concrete by showing total cost in dollars rather than abstract percentages.