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Credit

Average Age of Account Calculator

See how much a new lease, loan, or card lowers your average age of accounts — and how many months it takes to get back.

Accounts already on your report

Use the date each account was opened, not the balance. Closed accounts count too, as long as they still appear on your report.

The new account is

Look ahead

Account type doesn’t change the math — the average falls by the same amount whichever one you pick. It changes one thing, noted under the chart.

Average Age The Day It Opens

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Add at least one account on the left to see the change.

Average Age Today

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The Drop

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set the day it opens

Back To Today’s Average

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of payments, and the dip is gone

Average At 36 Months

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A credit-builder account adds one more line to this average — and one more line of on-time payment history.

Start for as little as $5 per month →

This is an illustration of how an average changes, not a score prediction. Scoring models don’t publish how heavily they weigh average account age, and no calculator can tell you how many points anything will move.

Why the effect on your score is mixed

The average falls. Your oldest account doesn't move. Length of credit history looks at both, and the age of your oldest account is untouched by opening something new.
The factor that drops is the smaller one. Length of credit history is worth about 15% of a FICO score. Payment history is 35%, and every on-time payment on the new account adds to that one, month after month.
The gap never fully closes, and that's fine. Measured in months it stays the same size forever. Measured against a history that keeps getting longer, it matters less every year.
Applying usually costs a few points of its own. A hard inquiry stays on your report for two years and stops affecting your score after about one. That's separate from the average-age dip shown here.
Closing the account doesn't undo the work. A closed account in good standing stays on your report for up to 10 years and keeps counting toward your history the whole time.

Read more >> How Credit History Length Affects Your Credit Score

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Average first-year credit score impact of +86 points between Aug-2024 & Aug-2025 for Kikoff Credit Account users who started with a score below 600; who paid on-time; and who had no delinquencies or collections added to their credit profile during the period. Late payments may negatively impact your credit score. Individual results may vary.

Individual results may vary. Subject to approval & identity verification. For Kikoff Credit Service, plans start at $5/month for 12 months, for a total of $60, billed monthly. Features may vary depending on the plan purchased. Kikoff tradeline available in Kikoff Credit Account is intended exclusively for financing credit-building purchases via the Kikoff Store. Additional terms and conditions may apply. Cancel anytime. Late or missed payments will have a negative impact on your credit. Make on-time payments to maintain account health.
45-day money back guarantee requires completing your cancellation of the Kikoff Credit Service and/or any other Kikoff store item(s) within 45 days, starting from the day of the first purchase of the Kikoff Credit Service or any Kikoff Store product(s). Guarantee is limited to up to one use per person.
Kikoff Inc. is a financial technology company “Fin-Tech”, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met. The Kikoff Mastercard® is issued by Coastal Community Bank, pursuant to a license from Mastercard International Incorporated. Learn more by visiting Coastal Community Bank at coastalbank.com/privacy-center. Use of the Kikoff Secured Card is governed by the Kikoff Secured Credit Card Agreement. The Kikoff Secured Credit Card Merchant Cash Back Program is governed by the Kikoff Merchant Cashback Program Addendum and provided by Coastal Community Bank, Member FDIC. Direct deposit required to unlock overdraft protection. Overdraft limit is determined by card usage and other risk factors. Early access to direct deposit funds depends on the timing of the payer’s submission of deposits and is not guaranteed. Secured Credit Card reports payment history to Equifax, Experian and TransUnion on a monthly basis. Minimum deposit of $50 is required to be reported to the credit bureaus. Secured Credit Card does not report a credit limit.
New Mexico residents only – TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER YOU MAY WRITE OR CALL Compliance Director at P.O. Box 40070, Reno, NV 89504; (775) 993-6992.; or at support@kikoff.com. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.nm.gov/financial-institutions/.
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For users with a starting credit score under 600, Kikoff adds 86pts* in a year with on-time payments.