Debt Calculators
6 free debt tools with detailed breakdowns — no signup required.
Balance Transfer Calculator
Work out whether a 0% balance transfer saves money after the transfer fee, and what payment you need to clear the balance before the promotional rate ends.
Credit Card Payoff Calculator
See how long a credit card balance takes to clear on minimum payments versus a fixed monthly amount, and exactly how much interest each path costs.
Credit Utilization Calculator
Calculate your overall and per-card credit utilisation, and see exactly how much you need to pay down to reach a healthier ratio.
Debt Consolidation Calculator
Compare your current debts against a single consolidation loan: new payment, total interest, and whether consolidating actually saves you money.
Debt Snowball vs Avalanche Calculator
Compare the debt snowball and debt avalanche methods across up to four debts. See which clears your balances faster and which costs less interest.
Debt-to-Income Ratio Calculator
Calculate your front-end and back-end DTI ratios the way mortgage underwriters do, and see how much room you have left for a housing payment.