Debt & Credit calculators
Most household debt problems come down to two numbers: the interest rate you pay and the amount you put toward the balance each month. These calculators make both visible. See how long a credit card balance will really take to clear, build a payoff plan across every debt you owe, and test whether a 0% balance transfer or a consolidation loan actually saves money once fees are included.
Lenders also judge you by ratios. Your debt-to-income ratio drives mortgage and loan approvals, and your credit utilization is one of the largest inputs to FICO and VantageScore credit scores. Each tool explains the rules behind the math so you can act on the result, not just read it.
Credit card calculators
Find your payoff date, what minimum payments really cost, whether a balance transfer pays off, and how utilization affects your score.
Credit Card Payoff Calculator
Find your payoff date, total interest, and the payment needed to be debt-free by a target date.
Balance Transfer Calculator
Find out if a 0% balance transfer card saves money after the transfer fee.
Credit Utilization Calculator
Check your overall and per-card utilization and how much to pay down to hit your target.
Debt payoff, personal loan and consolidation calculators
Plan payoff with the avalanche or snowball method, price a personal loan with its fees and true APR, and check whether a consolidation loan beats your current debts.
Debt Payoff Calculator: Avalanche vs Snowball
Build a month-by-month plan for all your debts and compare the avalanche and snowball methods.
Debt Consolidation Calculator
Compare keeping your current debts with a consolidation loan, with fees, true APR and the break-even rate.
Personal Loan Calculator
See your personal loan payment, total interest, the cash you receive after the fee and the true APR.
Car loan, student loan and DTI calculators
Estimate a car payment, the new RAP student loan payment, and the debt-to-income ratio lenders use to approve you.
Debt-to-Income (DTI) Ratio Calculator
Calculate front-end and back-end DTI and see how lenders for mortgages and loans will view it.
Auto Loan Calculator
Estimate your car payment with your trade-in, sales tax and fees, plus the new car loan interest deduction.
RAP Student Loan Calculator (Repayment Assistance Plan)
Estimate your payment on the new Repayment Assistance Plan and compare it with IBR and the standard plan.
Which debt calculator do you need?
- One credit card balance? Start with the credit card payoff calculator to see your debt-free date and the payment needed to hit a deadline, or the minimum payment calculator to see what paying only the minimum really costs.
- Several debts? The debt payoff calculator builds a month-by-month plan and compares the avalanche and snowball methods.
- Buying a car? The auto loan calculator shows the payment with your trade-in, sales tax and fees, and the new car loan interest deduction.
- Repaying federal student loans? The RAP calculator estimates your payment on the new Repayment Assistance Plan and compares it with IBR and the standard plan.
- Thinking about moving the debt? Compare a 0% card with the balance transfer calculator, or a fixed-rate loan with the debt consolidation calculator. Homeowners can also price a HELOC.
- Applying for a mortgage or loan soon? Check the two ratios lenders look at: your debt-to-income ratio and your credit utilization.
Three rules that save the most money
Pay a fixed amount, not the minimum. Minimum payments shrink as your balance falls, which can stretch a card balance over decades. Attack one debt at a time while paying minimums on the rest, rolling each freed-up payment into the next target. Lower the rate where you can — a transfer, consolidation loan or simply asking your issuer can cut the interest you pay on every remaining dollar.