Finance Tools
Overdraft Fee Calculator
Calculate how much overdraft fees will cost you based on fee amount and how often your account is overdrawn.
Assumes the overdraft count is a monthly number.
Total Overdraft Fees (Monthly): $105.00
Estimated Overdraft Fees (Yearly): $1260.00
Total = fee × overdrafts. If your bank charges differently (tiers/limits), use an average fee.
How to use this overdraft fee calculator
- Enter the overdraft fee charged by your bank.
- Enter how many times your account goes into overdraft.
- Click Calculate to see the total overdraft cost.
Example
If your bank charges a $35 overdraft fee and you overdraft 3 times in a month:
- Fee per overdraft: $35
- Number of overdrafts: 3
- Total overdraft fees: $105
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