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That $35 fee is the most expensive loan you'll ever take.

Enter how often you overdraft, the fee, and the typical shortfall — and see what those fees really cost as a loan.

Your overdraft habit

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Fees per year so far$0

The CFPB reports the median overdraft fee at major US banks is about $35. Your bank's fee is printed in its fee schedule.

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Put a number on the fees.

Enter how many times a year you overdraft, the fee, and the typical shortfall.

Last reviewed: October 2026.

What's next?

Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.