Debt & Credit
Debt payoff strategies, loan calculators, and credit tools
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APR Reality Check
See the real monthly and daily cost of carrying credit card balances
APR to Daily Cost Converter
Translate APR into relatable daily interest costs with comparisons
Average Daily Balance Calculator
Calculate average daily balance for credit cards. Understand how credit card interest is calculated. Free ADB calculator.
Balance Transfer Calculator
Calculate break-even point and savings from balance transfers
Complete Debt Payoff Planner
Avalanche vs snowball comparison + consolidation loan analysis + gamified payoff challenge
Credit Card Interest Calculator
Calculate daily credit card interest charges. See how much interest you pay per day and per month. Free credit card calculator.
Credit Score Impact Calculator
See how credit utilization and payment history affect your credit score
Credit Score Simulator
Model how paying down debt, opening or closing cards, or missing payments can change your credit score
Debt Payoff Calculator
Compare snowball vs avalanche strategies to pay off debt faster
Debt-to-Income Ratio Calculator
Check mortgage qualification status and calculate maximum affordable home price
Discretionary Income Calculator
Calculate federal student loan IDR payments with all plan comparison and income projections
Loan Amortization Calculator
Generate detailed amortization schedule with extra payment scenarios
Loan Comparison Calculator
Compare two loans side by side. See monthly payments and total costs. Free loan comparison tool.
Loan Daily Cost Calculator
Calculate how much your loan costs per day to visualize debt impact and stay motivated to pay it off
PSLF Calculator
Calculate Public Service Loan Forgiveness (PSLF) benefits. Compare standard vs income-driven repayment with PSLF. Free PSLF calculator.
Student Loan Repayment Calculator
Compare all repayment plans including SAVE, PAYE, and PSLF with forgiveness estimates
Student Loan Scenario Analyzer
Analyze all student loan scenarios: refinancing savings, grace period costs, payment freeze impact, and deferment analysis
Weighted Average Student Loan Calculator
Calculate weighted average interest rate for student loan consolidation. Free student loan rate calculator.
Credit Card Fee Calculator
Break down annual, balance transfer, foreign transaction, and late fees to see the real cost of your credit cards.