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Debt & Credit

Payoff plans, interest cost and credit card minimums. 20 free tools, each one showing the math behind its answer and running entirely in your browser.

Debt tools answer two questions: how long this takes, and what the interest costs while it takes that long. Both numbers are printed, because a payoff date without its interest bill hides the only reason to pay early.

The payoff planners model minimum payments, extra payments and the two classic orderings - smallest balance first, or highest rate first - as separate options rather than one blended answer, because they disagree exactly when a big balance and a high rate are not the same account.

Each page says what it does not model: new spending on the card, a promotional rate that ends, or an issuer that changes how the minimum is computed. Those three are the usual reason a real payoff date drifts from a planned one.

Every calculator in this category runs entirely in your browser and is an estimate tool, not debt, financial or credit advice: no page here promises a forgiven balance, a higher score or approval — those numbers come from your issuer and lender, not from arithmetic.

All 20 Debt & Credit tools

Auto Refinance Savings CalculatorCompare your current auto loan against a refinance: new monthly payment, total interest over the loan, and how long the refi fees take to earn back.Compare refinancing your car loan →
Balance Transfer CalculatorCompare a 0% balance transfer against keeping your balance where it is: the transfer fee versus the interest saved over the promo window, on your own numbers.See if a 0% transfer is worth it →
Charge-Off CalculatorEstimate what an unpaid credit card balance typically grows to before a creditor charges it off - interest, late fees and what usually happens next.Estimate a balance at charge-off →
Credit Card Interest CalculatorSee how much interest a card balance accrues when charged daily: the daily and monthly charge, what 30/90/365 days cost, and the payment that stops it growing.See how fast card interest grows →
Credit Card Payoff CalculatorSee how long a credit card balance takes to clear on minimum payments, and how much interest and time a fixed extra payment saves you.Plan credit card payoff →
Credit Card Payoff PlanWork backwards from a target payoff month to the fixed monthly payment that clears the balance, with the full schedule and total interest.Plan the payment to clear a card →
Credit Card Payoff vs InvestCompare paying off a credit card against investing the same monthly amount: which order leaves you with more net worth at your horizon.Compare paying the card or investing →
Credit Score EstimatorRate the five factors behind a FICO score and see roughly where yours sits: the 35/30/15/10/10 weights are FICO’s, the range is an estimate, not a real score.Estimate credit score range →
Credit Utilization CalculatorWork out your credit utilization, the share of available credit you are using, and see how the 30% guideline, maxed cards and higher limits affect what lenders read.Calculate credit utilization →
Debt Consolidation CalculatorCompare keeping your cards and loans against one consolidation loan on the same monthly budget: interest saved, payoff time and when the fee is recovered.Compare debt consolidation →
Debt Consolidation Savings CalculatorSee how much a consolidation loan saves versus keeping a credit card balance on the cards, using rates and terms a lender would actually quote.Calculate debt consolidation savings →
Debt Payoff CalculatorCompare the debt snowball and avalanche methods on your real balances. See your debt-free date, total interest and the order each debt gets cleared.Plan debt payoff →
Debt Settlement Cost CalculatorWhat a settlement really costs: the lump sum plus the tax the forgiven amount can trigger, with the IRS insolvency exception and a breakdown you can download.Calculate debt settlement cost →
Debt Snowball vs AvalanchePut the same debts and the same monthly budget into the snowball and the avalanche, and see exactly which order clears them with less interest.Compare two payoff orders →
Debt-Free Date CalculatorEnter a balance, the APR and a fixed monthly payment to see the exact month you will be debt-free, plus the total interest you pay to get there.See when a fixed payment clears your debt →
Debt-to-Asset Ratio CalculatorSee how much of what you own is actually owed: total debts as a percent of total assets, with the three bands lenders and planners read.Calculate debt-to-asset ratio →
Debt-to-Income CalculatorWork out your debt-to-income ratio the way a lender does, see the room left before the 43% line most lenders still use as a guideline, and test a new loan before you apply.Calculate debt-to-income ratio →
Late Payment Cost CalculatorSee the real cost of a late credit card payment: the one-time fee plus the extra interest a penalty APR adds to your whole balance, month by month.See what a late payment costs →
Minimum Payment CalculatorSee how long a credit card balance takes and how much interest it costs when you pay only the minimum — and what paying a bit more each month saves you.See how long minimum payments take →
Personal Loan vs Credit CardFinance the same amount with a personal loan or a credit card and see which costs less: the loan payment, the term, and the extra interest the card charges.Compare borrowing with a loan vs a card →

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