Debt & Credit calculators
Debt payoff, credit cards, consolidation, credit utilization and interest.
36 free tools
Most used
Balance Transfer CalculatorFind out if a 0% balance transfer is worth the feeCredit Card Interest CalculatorSee exactly how much interest your card charges this monthCredit Card Minimum Payment CalculatorSee how long minimum payments really take — and what they cost youCredit Card Payoff CalculatorFind your payoff date — or the payment that clears your card by a deadlineCredit Utilization CalculatorCheck your overall and per-card credit utilization in secondsDebt Avalanche CalculatorPay the highest-rate debt first and keep the most money in your pocketDebt Consolidation CalculatorCompare your current debts with one consolidation loan, fees includedDebt Payoff CalculatorSee your debt-free date and how much extra payments save youDebt Snowball CalculatorPay off the smallest debt first and see your exact debt-free dateDebt-to-Income Ratio CalculatorCalculate the front-end and back-end DTI lenders use to approve loans
More debt & credit tools
0% APR Payoff CalculatorFind the monthly payment that clears a 0% promo balance in timeBalance Transfer vs Personal Loan CalculatorCompare a 0% balance transfer with a debt consolidation loanBuy Now Pay Later CalculatorSee your installments and the true cost of pay-in-4 or monthly BNPL plansCanceled Debt Tax CalculatorEstimate how much forgiven debt is taxable after the insolvency exclusionCash Advance CalculatorAdd up the fee, interest and ATM charges on a credit card cash advanceCredit Card Annual Fee Worth It CalculatorFind out if a card’s rewards and credits beat its annual feeCredit Card EMI Conversion CalculatorFind the EMI, interest, processing fee and GST on a card EMI planCredit Card Rewards CalculatorCompare two cards and see if the annual fee pays for itselfDebt Settlement CalculatorSee what settling debt really costs after fees and taxesDebt Statute of Limitations CalculatorFind the date an old debt becomes time-barred and drops off your credit reportDeferred Interest CalculatorFind out how much back-interest hits if a 0% promo isn’t paid offForeign Transaction Fee CalculatorSee what card FX fees and dynamic currency conversion really costIRS Offer in Compromise CalculatorEstimate your minimum IRS offer from asset equity and future incomePay Off Debt or Invest CalculatorShould extra cash go to your debt or your investments? Compare bothAverage Daily Balance CalculatorWork out your average daily balance and credit card finance chargeBankruptcy Means Test CalculatorEstimate whether you pass the Chapter 7 means testBlended Interest Rate CalculatorFind the weighted average interest rate across all your debtsChapter 13 Payment CalculatorEstimate your Chapter 13 bankruptcy plan paymentConsumer Proposal CalculatorEstimate a Canadian consumer proposal payment and compare it with bankruptcyDebt Management Plan CalculatorCompare a credit counseling DMP with your current card paymentsDebt Snowflake CalculatorSee how small extra payments add up to a much earlier payoff dateIRS Payment Plan CalculatorEstimate IRS installment payments, interest, penalties and feesJudgment Interest CalculatorCalculate interest owed on a court judgment between any two datesUK Debt Relief Order Eligibility CheckerCheck your debts, spare income and assets against the DRO limitsUK IVA CalculatorEstimate your IVA payment, fees and how much debt is written offWage Garnishment CalculatorSee the most that can be garnished from your paycheck under federal law