Debt & credit tools

Free calculators to get out of debt faster and understand your credit — snowball vs avalanche, consolidation, balance transfers, and the true cost of the minimum-payment trap.

21 resources

Calculator Avalanche vs Snowball Debt Payoff Calculator Get a side-by-side verdict on the debt avalanche and snowball methods — which clears your debts faster and how much interest each saves. Open → Calculator Balance Transfer Breakeven Calculator Find out if a balance transfer fee is worth it — see exactly how many months the 0% promo rate must last to beat your current APR. Open → Calculator Car Loan True Cost Calculator: Dealer vs Credit Union vs Cash Compare what a car actually costs under dealer financing, credit union financing, and a cash purchase — and see how much dealer markup you can avoid. Open → Calculator Cost of Delaying Your Debt Payoff See exactly how much interest you rack up for every month you postpone starting a payoff plan — the real price of waiting. Open → Calculator Credit Card Interest-Per-Day Calculator See what your credit card balance costs you every single day, hour, and month in real dollars — the clearest way to feel the urgency of high-rate debt. Open → Calculator Debt Consolidation True Cost Calculator See whether a consolidation loan actually saves money after fees — compare your current blended rate and payoff to a new single loan. Open → Calculator Debt Payoff Accelerator: One Extra Payment a Year Calculate how many months and how much interest you save by making just one extra debt payment per year. Open → Calculator Debt Snowflake Calculator: Small Windfalls, Big Payoff See how small, irregular extra payments — cash-back rewards, side-gig income, unused gift cards — stack up to accelerate your debt payoff. Open → Calculator Debt-Free Date Calculator Pick the month you want to be debt-free and find out exactly what monthly payment that target requires. Open → Calculator Debt-Freedom Opportunity Cost Calculator See what your debt payments become as investments after payoff — the wealth you unlock the day your balance hits zero. Open → Calculator Debt-to-Income Ratio Calculator Calculate your front-end and back-end DTI ratios, see where you stand versus lender benchmarks, and find out how much room you have to borrow. Open → Calculator HELOC vs Personal Loan Calculator Compare the true cost of a home equity line of credit versus an unsecured personal loan for the same purpose — after fees and rates. Open → Calculator How Much Can I Borrow Safely? DTI-Based Limit Calculator Enter your income and current debts to find the maximum new loan you can take on while staying within the safe 36% back-end DTI threshold. Open → Calculator Minimum-Payment Trap Calculator See exactly how many years and how much total interest it costs when you only ever pay the minimum on a credit card. Open → Calculator Payday Loan & BNPL True APR Calculator Convert any payday loan fee or BNPL late charge into its annualized APR so you can see exactly how expensive short-term borrowing really is. Open → Calculator Refinance vs Keep Your Loan Calculator Find your break-even month and lifetime savings from refinancing a student loan, personal loan, or auto loan versus keeping the current terms. Open → Calculator Student Loan: Standard vs Income-Driven Repayment Lifetime Cost Compare total lifetime interest under standard 10-year repayment versus an income-driven plan with potential forgiveness — side by side. Open → Calculator Windfall Debt Payoff Optimizer Tax refund, bonus, or inheritance? See whether paying off your high-rate or low-rate debt first saves more interest — with exact dollar comparisons. Open → Guide Debt Avalanche vs Snowball: Which Actually Pays Off Faster? The avalanche saves the most money and the snowball keeps you motivated — here is the math, a side-by-side worked example, and how to pick. Open → Guide Should I Pay Off Debt or Invest? A Clear Decision Framework A simple rate-versus-return framework for splitting money between debt payoff and investing — with the guaranteed-return math and a worked example. Open → Guide The Minimum-Payment Trap: How a Credit Card Keeps You Paying for 20 Years Paying only the minimum on a credit card can stretch a modest balance into two decades and more than double what you owe — here is exactly why, with the math. Open →