AomlyFree calculator
Credit card statement date calculator
Enter your card's cut-off day and payment due day. See which statement a purchase goes on, when you'll pay for it, and which day to swipe for the longest time before you pay.
Banks differ on whether a purchase on the cut-off day itself goes on that statement; here it does. Check your card's terms.
Every card's cut-off, on your calendar
Aomly knows 151 Thai credit cards from 10 banks, plus SPayLater, LazPayLater, Pay Next and more. Set each one's cut-off day and your spending lands in the right statement, so the bill is never a surprise.
- Cut-off days marked on your calendar
- What each card will bill, before the statement comes
- Your own card designs, colours and last 4 digits
Make the most of your statement date
Swipe right after the cut-off
A purchase the day after your cut-off waits the longest before you pay, often around 45 to 55 days. One on the cut-off day itself waits the least.
Pay the full statement
Pay the whole statement by the due date and there's no interest. Pay less and most Thai cards charge interest from the day you bought it.
Check the date for big buys
For a large purchase, a day or two can move the payment a whole month later. Try the calculator first.
Pay later works the same way
SPayLater, LazPayLater and other pay-later services also close a bill each month. Plan them into your budget like a card.
Questions
What is a statement cut-off date?
It's the day your card closes the month's bill. Everything you buy up to that day goes on that statement; anything after waits for the next one.
What is the payment due date?
The last day to pay the statement, usually 15 to 25 days after the cut-off. It's on your statement and in your bank's app.
My cut-off is the 31st. What about shorter months?
Here the last day of the month is used. Your bank may use a nearby working day instead, so check your statement.
Is it free? Is anything saved?
It's free, with no account to make. The dates you pick stay on this page and aren't sent anywhere.