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.
Debt & Credit calculators
Credit Card Payoff Calculator
Find your payoff date, total interest, and the payment needed to be debt-free by a target date.
Debt Payoff Calculator: Avalanche vs Snowball
Build a month-by-month plan for all your debts and compare the avalanche and snowball methods.
Debt-to-Income (DTI) Ratio Calculator
Calculate front-end and back-end DTI and see how lenders for mortgages and loans will view it.
Credit Utilization Calculator
Check your overall and per-card utilization and how much to pay down to hit your target.
Balance Transfer Calculator
Find out if a 0% balance transfer card saves money after the transfer fee.
Debt Consolidation Calculator
Compare keeping your current debts with a consolidation loan, including origination fees.
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.
- Several debts? The debt payoff calculator builds a month-by-month plan and compares the avalanche and snowball methods.
- 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.
Debt & Credit guides
Balance Transfer vs. Personal Loan: Which Is Better for Credit Card Debt?
A 0% balance transfer can be nearly free — or cost more than a loan if you miss the deadline. Compare real numbers and find the right fit for your debt.
Debt & CreditDebt Avalanche vs. Debt Snowball: What the Math and the Research Say
The avalanche saves the most interest; the snowball keeps more people going. See the real dollar difference, what studies found, and a step-by-step plan.
Debt & CreditDoes Paying Your Credit Card Before the Statement Date Help Your Score?
Card issuers usually report your statement balance to the credit bureaus. Paying before the statement closes can cut your utilization and lift your score fast.
Debt & CreditHow Credit Card Interest Is Calculated: APR, Daily Rates and Grace Periods
Your card’s APR is charged daily on your average balance. See the exact math, how the grace period works, and why paying in full sometimes still costs interest.
Debt & CreditHow Lenders Calculate Debt-to-Income Ratio (and What They Leave Out)
Mortgage lenders don’t calculate DTI the way most people expect. Which debts count, how student loans and self-employed income are treated, and how to prepare.