Safe-to-Close Date Calculator
The earliest date you can close a bank account without an early-closure fee or losing the bonus.
Free · No sign-up · Runs in your browser, nothing you enter is sent anywhere
Early-closure fee
Bonus hold or clawback
Banks count days differently; a buffer avoids surprises.
How it works
The safe date is the later of the two rules you enter, plus your safety days. A period of N days from a date ends on that date plus N days; months move to the same day of the month (or the last day, if shorter).
Example
Opened January 10, with a fee if closed within 180 days (to July 9), and a bonus that posted April 20 with a 90-day hold (to July 19): the hold is the later rule, so with a week’s buffer it’s safe to close from July 26.
Keep in mind
- It calculates from the rules you enter; it doesn’t know any bank’s policy.
- Monthly fees may apply while you wait. Check whether you still meet the fee waiver.
- Banks can close accounts or reverse bonuses under their own terms.
Questions
What's the difference between an early-closure fee and a clawback?
An early-closure fee is a charge for closing the account within a set time of opening it. A clawback is when the bank takes the bonus back because the account was closed too soon, often counted from when the bonus paid out. An offer can have either, both, or neither.
Where do I find these rules?
In the offer's terms and the account agreement or fee schedule. Look for phrases like “closed within 180 days of opening” or “keep the account open for 6 months after the bonus is paid”.
Why add safety days?
Banks count days in slightly different ways, and processing can lag. A week's buffer costs little and avoids an accidental fee or clawback.