Debt calculators

Every calculator is stateless: your inputs live in the query string so you can bookmark or share the URL. Canonical links point to the clean route; nothing here states today's market rates.

All tools

• Snowball vs avalanche calculator

  Compare snowball and avalanche payoff order side by side. Enter your balances, APRs, and extra payment — share the URL to save your scenario.

• Debt payoff planner

  Build a payoff plan with your debts, minimum payments, and extra monthly amount. See months to debt-free and total interest.

• Debt-to-income calculator

  Calculate your debt-to-income ratio from your monthly debts and gross income. All numbers are your inputs.

• Credit utilization calculator

  See your overall and per-card utilization from balances and limits you enter. No score promises — just the math lenders watch.

• Debt consolidation compare

  Compare keeping your cards vs a personal loan vs home equity options. You supply every rate and cost; we show interest, payment, and payoff date.