Know exactly what your money will do
Interactive calculators for the decisions that actually move your balance — credit cards, loans, debt payoff, and savings. Every chart updates as you change your inputs, and every page shows the math behind the numbers.
Free tools
Each calculator is a standalone tool: change an input and the math updates, with the reasoning behind every number.
Credit Card Payoff Calculator
Enter your balance, APR, and payment. See how long payoff takes, how much interest you'll pay, and what paying more saves.
Try it →Personal Loan Payment Calculator
See the exact monthly payment and total interest for any personal loan amount, APR, and term — plus how the term changes the cost.
Try it →Is It Worth Getting a Personal Loan to Pay Off a Credit Card?
Compare the total cost of keeping a balance on your card vs moving it to a personal loan — fee included, term included, verdict included.
Try it →Avalanche vs Snowball: Which Debt Payoff Method Saves More?
Enter your debts and total monthly payment. See exactly which method — highest-rate-first or smallest-first — clears you faster and saves more interest.
Try it →Debt Consolidation Calculator
Enter your debts and a consolidation loan offer. See the new single payment, total interest, and whether the loan actually beats your current path.
Try it →How it works
- Enter your numbers. Balance, rate, payment — the fields a real decision depends on.
- See the math, not a guess. Every tool runs the full calculation and shows total interest, timeline, and the difference each option makes.
- Compare before you decide. What-if scenarios on every tool, so you can test "what if the rate were 1% lower" before you sign anything.
What we cover
Credit Cards
Payoff, balance transfers, APR impact, and whether a card is worth it.
Personal Loans
Refinance vs pay off, monthly payment, total interest, what rates are fair.
Auto Loans
Refi math, payoff vs selling, what a fair auto APR looks like.
Student Loans
Payoff timeline, interest saved by extra payments, refi tradeoffs.
Debt Payoff
Avalanche vs snowball, minimum payment traps, getting out faster.
Savings & Interest
High-yield savings, compound interest, how long to reach a goal.
Why trust these numbers
Every tool states its assumptions on the page, and the methodology page documents the exact formulas used. Your inputs stay in your browser — nothing is stored or sent.