Free debt calculators

Pick one to open it. No account, no email, and your numbers stay in your browser.

• Minimum payment reality check Start here What paying the minimum actually costs you, in years and in dollars. You’ll need: Your balance and your interest rate Open calculator
• Debt payoff planner What an extra $50, $100, or $300 a month does to your payoff date. You’ll need: Your balance, rate, and what you pay now Open calculator
• Snowball vs. avalanche Two payoff strategies compared side by side on your real balances. You’ll need: Balance and rate for each card Open calculator
• Debt-to-income calculator The number lenders and relief programs use to size up your situation. You’ll need: Your monthly income and debt payments Open calculator

Not sure which one you need? Answer six questions instead and we will work it out for you.