MCA costs & payments
Stacked MCA Payment Calculator
Add your advances together to see the combined daily cash drain, weekly burden, and remaining repayment obligations.
How to use this calculator
- Enter each advance separately using its remaining purchased balance and current daily debit.
- Add or remove rows until the list matches your active advances.
- Choose the number of debit days per week. The monthly figure is an average, not a calendar-specific withdrawal total.
How the calculation works
The calculator adds remaining balances and daily debits across the advances entered. Weekly burden equals daily debits times debit days each week. Average monthly burden uses 52 weeks divided by 12 months. Estimated remaining debit counts divide each remaining balance by its daily payment and round up, allowing a smaller final debit. New charges, variable payments, holidays and contract-specific adjustments are excluded.
Worked example
These results use the editable example values shown in the calculator. They illustrate the method and do not predict an offer or outcome.
- Combined daily debit
- $1,575.00
- Weekly debit
- $7,875.00
- Average monthly debit
- $34,125.00
- Combined remaining balance
- $137,000.00
Questions about the results
Should I enter the original advance or the remaining balance?
Use the remaining repayment obligation. If the balance is uncertain, reconcile the original purchased amount against payments, refunds and documented adjustments first.
Does combining the numbers consolidate my debt?
No. This is an analysis of your current obligations. It does not change a contract, stop a debit or create a new loan.