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
• Credit card interest calculator Total interest, payoff date, and a month-by-month schedule showing where each payment goes. You’ll need: Your balance, rate, and monthly payment Open calculator
• Debt settlement cost estimator What a settlement program costs once you count the fees and the tax, and how that compares to paying the cards yourself. You’ll need: Your total debt, rate, and monthly budget Open calculator
• Consolidation loan checker The rate a loan really charges once the origination fee is counted, and what a longer term costs you. You’ll need: Your balances and the loan you were offered Open calculator
• Chapter 7 means test check Your household income against your state median, using the official figures. The first question the means test asks. You’ll need: Your state, household size, and 6 months of income 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.