Free Tools

Debt Calculators

Pick a calculator below. Every tool is free, private, and requires no signup. Compare snowball vs avalanche, check your DTI, and build a budget that actually works.

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Credit Card Payoff Calculator

See exactly when each card gets paid off and how much interest you'll save.

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Debt Snowball Calculator

Pay smallest balances first. Build momentum with quick wins.

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Debt Avalanche Calculator

Attack highest interest rates first. Save the most on interest.

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DTI Ratio Calculator

Calculate your debt-to-income ratio before applying for a loan.

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Monthly Budget Calculator

Build a realistic budget that actually has room for debt payments.