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Use a credit card payoff calculator to figure out how much you could save by paying your bill early.

Keep in mind that most people use their cards more than once a month, which means that finance charges can balloon over time.

“If you pay it off before the billing cycle, you could potentially just be paying for the purchase price of the items with little to no interest or fees,” says Bruce Mc Clary, vice president of public relations and external affairs for the ‎nonprofit National Foundation for Credit Counseling.

When you charge something to your credit card, the issuer charges you interest every day of the month until the bill is paid. So, on the second day of the billing cycle, you’ll pay interest not only on the outstanding balance, but also on the interest charged on the first day. As an example, say you have a credit card with an APR of 17 percent, which is the average variable interest APR for a credit card today, and you have a balance of ,000.

Total credit card balances continue to grow on an annual basis, swelling to 1 billion in the third quarter of 2017, according to Trans Union.

Although the best way to reduce interest charges is to pay the bill in full every month, there’s a simple trick to save money while you work toward taming that debt: Pay your credit card bill early — before the end of the billing cycle.

In other words, it will cost you ,141 to pay your bill in full at the end of the billing cycle.

But if you pay down the balance exactly halfway through the billing cycle, you’d only owe .50 — half of what you’d owe if you had waited until the end of the month.

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