Updated October 2026. Free, no signup, nothing leaves your browser.
Enter the month and year you opened each personal card in the last 25 months. You get your current 5/24 count, the month each slot frees up, and the earliest date Chase’s automated check should see you under 5/24. The rule itself is covered in the Chase 5/24 guide and the wider system in the churning guide.
Each field takes a month and year; the picker or typing 2024-03 both work. Add up to 10 cards; only cards opened in the last 25 months count.
How the math works
Chase counts personal card accounts opened in the last 24 months. A card counts through its 24th month and stops in month 25, so a card opened in March 2024 frees its slot in April 2026.
The calculator sorts your counted cards by age. If you sit at 5 or more, it names the month the oldest one ages off. That month is your earliest clean application date.
Enter every personal card from every bank, store cards included, plus authorized user cards. Chase counts those by default, though a reconsideration call usually gets them set aside.
Leave out most business cards, denied applications, and anything opened more than 25 months ago. The full rules, including the business card exemption and what Chase blocks at 5/24, live in the 5/24 guide.
Nothing you type is stored or sent anywhere. The math runs in your browser.
FAQ
How do I calculate my 5/24 status?
Count every personal credit card account opened in the past 24 months across all banks, including store cards, authorized user cards, and cards you have since closed. 5 or more means Chase declines most applications. This calculator does the month math for you from your open dates.
When does a card stop counting against 5/24?
25 months after the month it was opened. A card opened in March 2024 counts through March 2026 and stops counting in April 2026. The clock runs from the opening date on your credit report, never from when you closed the card or earned its bonus.
Do business cards go into this calculator?
Mostly no. Business cards from Chase, Amex, Citi, Bank of America, Barclays, US Bank, and Wells Fargo stay off your personal credit reports and never count. Capital One Spark Cash and Spark Cash Select report personally, so include those; Spark Cash Plus and Venture X Business do not while in good standing. Discover business cards have reported personally too.