Debt payoff and credit card calculators
Find the fastest and cheapest way out of debt, and see if a balance transfer is worth the fee.
5 free calculators
Credit Card Payoff Calculator
See how long it takes to clear a credit card balance and how much interest you will pay.
Open calculator →Debt-to-Income (DTI) Calculator
Calculate your debt-to-income ratio, the number lenders check before approving a loan.
Open calculator →Debt Payoff Planner (Snowball vs Avalanche)
Enter up to three debts and compare the avalanche method, the snowball method and paying only minimums.
Open calculator →Balance Transfer Calculator
Check whether moving a credit card balance to a 0% promo card saves money after the transfer fee.
Open calculator →Pay Off Debt or Invest? Calculator
Compare putting your extra money toward debt against investing it, and see which leaves you with more net worth.
Open calculator →Money guides for Debt Payoff
All guides →Snowball vs Avalanche: The Math of Getting Out of Debt
Compare the two best debt payoff methods with real numbers and learn which one saves more money.
Read guide →How to Fix Bad Financial Condition with Math: A 7-Step Recovery Plan
A step-by-step plan, with real numbers, to climb out of a money hole: find the gap, cut and earn, pay debt smartly and build a safety net.
Read guide →How Loan Interest Really Works
Understand APR, amortization and why early payments are mostly interest, with tips to pay less.
Read guide →Credit Card Interest Explained (and How to Beat It)
How APR turns into monthly interest, why minimum payments keep you in debt, and when a balance transfer helps.
Read guide →Pay Off Debt or Invest? A Simple Way to Decide
Compare your debt interest rate with realistic after-tax investment returns to decide where extra money should go first.
Read guide →Other calculator categories
Mortgage & Home Buying
Work out your monthly payment, how much house you can afford, and whether renting or buying wins.
- Mortgage Calculator
- How Much House Can I Afford?
- Refinance Break-Even Calculator
- Down Payment Savings Calculator
Loans & Car Finance
See what a loan really costs, how much car you can afford, and how much interest an extra payment saves.
- Loan Payment Calculator
- Car Loan Calculator
- Car Affordability Calculator
- Student Loan Payoff Calculator
Savings & Interest
See how small amounts grow, how long a savings goal takes, and how much cushion you really need.
- Compound Interest Calculator
- Savings Goal Calculator
- Simple Interest Calculator
- Savings Interest (APY) Calculator
Investing & Returns
Measure what an investment really earned, what inflation takes back, and how long it takes to reach a big goal.
- Inflation Calculator
- ROI Calculator
- Dividend Income Calculator
- CAGR Calculator
Retirement Planning
See how much you need to retire, what your 401k can become, and how long your money will last.
- Retirement Savings Calculator
- FIRE Number Calculator
- Roth vs Traditional IRA Calculator
- 401(k) Calculator with Employer Match
Budgeting & Net Worth
Plan your month, check your financial health, fix a deficit and plan big events with clear numbers.
- 50/30/20 Budget Calculator
- Net Worth Calculator
- Monthly Financial Planner
- Wedding Budget Calculator
Smart Spending & Shopping
Check a deal, split a bill, and see what small daily habits and subscriptions really cost over the years.
- Tip & Bill Splitter
- Percentage Calculator
- Discount Calculator
- Sales Tax & VAT Calculator
Salary & Pay
Know what your time is worth, what a raise adds up to, and which job offer is really better.
- Salary to Hourly Calculator
- Hourly to Salary Calculator
- Overtime Pay Calculator
- Pay Raise Calculator
Side Hustle & Business
Price your work, check whether a side hustle is profitable, and find your break-even point.
- Freelance Hourly Rate Calculator
- Profit Margin & Markup Calculator
- Break-Even Calculator
- Seller Profit Calculator (Etsy, eBay, Amazon)