Free Credit & Debt Calculators

Plan an avalanche payoff across all your cards & loans by budget or by target date.

“I want a full payoff plan across all my debts.”

See your debt-free date and compare avalanche vs snowball strategies.

“I want a full payoff plan across all my debts.”

See per-card and overall utilization now and after planned payments.

“What will my utilization look like if I pay these amounts?”

Get exact pay-by dates per card to land target utilization by your deadline.

“When do I pay each card before a mortgage application?”

Estimate how paying down, missing, opening, or closing affects your score — with ranked next moves and backfire warnings.

“What credit moves may help or hurt my score?”

Stay put vs balance transfer vs personal loan — three-way comparison.

“Should I consolidate, transfer, or stay put?”

Risk heatmap of which 0%/promo balance will explode first — and the fix.

“Which 0% promo is about to bite me?”

Compare keeping your card debt, moving it to a 0% balance transfer, or rolling it into a consolidation loan — side by side.

“Should I keep paying, transfer the balance, or take a consolidation loan?”

Total interest if you only pay minimums vs following an avalanche ladder.

“How bad is paying just minimums, really?”

See how your card issuer likely calculated this month’s interest — and what timing changes would lower your next finance charge.

“I want to understand why my credit card interest charge was so high.”

Educational read on whether your file is ready for a specific product — or wait.

“Should I apply now or wait?”

Get a plain-English verdict on any redemption: use points, pay cash, or save for a better deal — with cpp benchmarks and warnings.

“Is this points redemption a good deal, or should I pay cash?”

Is your annual fee earning its keep? Separates reliable rewards & credits from stretch perks, factors in any retention offer, and gives you a Keep / Borderline / Downgrade verdict.

“Should I keep, downgrade, or cancel this annual-fee card?”

12-month directional projection from lowering utilization and on-time payments.

“Where could my score be in a year?”

Will moving your balance to a 0% card actually save money after fees?

“Should I move this balance to a 0% APR card?”

Surface deferred interest, penalty APR, transfer fee, annual fee, and fine-print traps before you accept an offer.

“Is this card or loan offer actually safe to use?”

What payment do I need to clear this card or loan by a target date?

“How much do I need to pay each month to be done by X?”

See your daily and monthly interest cost — and how much you save by paying more than the minimum.

“How much is my credit card interest really costing me?”

Time payments around your statement date to keep utilization low for credit scoring.

“How much should I pay before my statement closes?”

When to apply, how much you must pay each month, and what happens when the promo ends.

“Can I really pay this off before the 0% promo expires?”

Stack payoffs around statement dates, reporting cycles, and promo expirations.

“Which debt do I attack this month, given closing dates and promos?”