Dave ExtraCash Fee Calculator
Dave's ExtraCash fee is max($5, 5% × amount). Most members have no cap; some grandfathered members have a $20 cap. Sending funds to an external debit card adds 1.5%. Enter your numbers below.
That's above Dave's $500 standard maximum. Compare apps with $1,000 limits or Check my loan offers
The $5 minimum makes small advances expensive. Apps with no mandatory fee may cost less: compare apps like Dave.
Dave may approve less than this. Need more than Dave offers? Check my loan offers
Estimate only, based on Dave's published formula (greater of $5 or 5%). Your actual fee is shown in the Dave app before you accept.
How the calculator works
The calculator applies Dave's published formula: the overdraft fee is whichever is larger, $5 or 5% of the advance. If you select a cap, the fee is limited to that amount. The optional 1.5% fee applies only when you send money to an external debit card; moving funds to Dave Checking is free.
APR-equivalent converts the one-time fee into an annual rate: (fees ÷ amount) × (365 ÷ days) × 100. Dave does not charge interest, so this is a comparison tool, not a rate on your account. It shows why a $25 advance (a $5 fee, or 20%) is far more expensive in relative terms than a $300 advance (also 5%, or $15).
Dave fee on $100, $200, $300 and $500
| Advance | Dave fee (no cap) | + external card (1.5%) | You repay (fee only) |
|---|---|---|---|
| $100 | $5.00 | $1.50 | $105.00 |
| $200 | $10.00 | $3.00 | $210.00 |
| $300 | $15.00 | $4.50 | $315.00 |
| $500 | $25.00 | $7.50 | $525.00 |
Dave fee vs other apps on the same amount
Instant-delivery cost on a $200 advance, from each provider's published fees:
| App | Instant cost on $200 | Notes |
|---|---|---|
| Dave ExtraCash | $10.00 | Greater of $5 or 5%; plus up to $5/month |
| Chime MyPay | $5.00 | 3%, capped at $5 |
| Brigit Premium | $0 per advance | $15.99/month subscription |
| MoneyLion Instacash | Up to $8.99 | Turbo fee varies by amount |
| EarnIn | $5.99 per $150/day | $200 exceeds the $150 daily cap |
Full comparisons: Dave vs Chime MyPay, Dave vs Brigit, Dave vs MoneyLion and Dave vs EarnIn.
How to read your result
- Overdraft fee is what Dave charges for the ExtraCash itself.
- Transfer fee applies only if you send the money to an external debit card; choose Dave Checking to make it $0.
- You repay is the amount Dave collects on your settlement date, excluding membership.
- Cost incl. 1 month membership shows the all-in cost if this is your only advance that month.
When Dave's fee is cheapest
Dave's fee is lowest as a share of the advance between $100 and $500, where it's exactly 5%. Below $100 the $5 minimum pushes it higher: 10% on $50 and 20% on $25. If you only need a small amount, an app with no mandatory fee, like EarnIn or MoneyLion with standard delivery, can be cheaper. See the Dave FAQ for more quick answers.
Quick reference
- $5 minimum applies up to $100 (5% of $100 = $5).
- Above $100 the fee is exactly 5%.
- With a $20 cap, the cap only matters above $400.
Want the full context? Read Dave fees in 2026 or compare costs across apps like Dave.
Frequently asked questions
How is Dave's fee calculated?
The fee is the greater of $5 or 5% of the ExtraCash amount. Most members have no cap; some have a $20 cap.
What does a $500 Dave advance cost?
$25 without a cap, or $20 with a grandfathered $20 cap, plus 1.5% ($7.50) if sent to an external debit card.
What is the fee on a $100 Dave advance?
$5, because 5% of $100 equals the $5 minimum. Add $1.50 if you send it to an external debit card.
Need more than a cash advance?
Compare short-term loan offers from lenders in our partner network. Checking offers is free; we are not a lender and Dave is not part of this network.
Keep reading
Dave ExtraCash fees in 2026
The 5% fee, the vanished $15 cap, membership and express fees explained.
Dave ExtraCash review (2026)
What it costs, who qualifies, and the catches, checked against Dave's own disclosures.
Apps like Dave (2026)
EarnIn, Brigit, MoneyLion, Chime MyPay and Klover compared on cost.
Dave vs Chime MyPay
Two $500-max products with very different fee math.
Sources
Checked November 12, 2026. Figures change; confirm in the provider's app.