Quick answers to specific debt questions. Each calculator runs in your browser, updates as you type, and stores or sends nothing you enter.
Credit card payoff
How long will your payment take to clear a card, and what will it cost? Or what payment gets you there by a goal date?
Snowball vs. avalanche
Your debts, both payoff methods, side by side: months, interest and payoff order.
Consolidation savings
Would a consolidation loan actually cost less than what you’re paying now, fees included?
Balance transfer
Would a 0% card save money after the transfer fee, and what payment clears it before the intro rate ends?
Want the whole picture?
The calculators each answer one question. The Debt Audit puts your debts and budget together, grades your situation, and explains which way out of debt fits your numbers.
Run the Debt AuditAll of the calculators use the same math as the Debt Audit. Every formula is published on How the audit works.