Tools
Free credit, loan, and wealth calculators.
No login. No paywall. Run the numbers before you send a letter, apply for a loan, or tap a credit card.
Credit & borrowing
Credit Utilization Impact Calculator
Enter your current score, credit limits, balances, and planned payoff to compare common utilization targets.
Debt Payoff Planner
A practical planner for prioritizing cards and loans while protecting your credit utilization.
Credit Report Audit Checklist
A step-by-step audit checklist for reviewing all three credit reports with fewer missed errors.
Secured Card Fit Checker
A beginner-friendly decision tool for people building credit from scratch or rebuilding after damage.
Debt Consolidation Loan Calculator
Estimate monthly payment, total interest, and break-even savings before applying for a consolidation loan.
Balance Transfer Payoff Simulator
Compare your current card APR against a balance-transfer offer with promo months and transfer fees.
Business Loan Amortization Calculator
Build a plain-English amortization snapshot for business financing decisions.
Invoice Factoring Rate Calculator
Compare advance rate, factoring fee, reserve holdback, and net proceeds.
Mortgage Refinance Savings Calculator
A homeowner-friendly calculator for comparing a current mortgage with a refinance offer.
HELOC Payment Calculator
Model home equity line of credit payments before tapping home equity.
Debt-to-Income (DTI) Calculator
Educational DTI calculator for housing costs, other monthly debts, and common 36% / 43% / 50% lender bands.
Wealth & cash
Compound Interest Calculator
A wealth-building calculator for principal, contribution, rate, and years — labeled as an estimate, not a return promise.
Emergency Fund Calculator
A cash-reserve planner so a surprise bill does not have to become a credit-card balance.
Biweekly Mortgage Payoff Calculator
Compare a standard monthly mortgage against a biweekly extra-payment plan.
Auto Loan Extra Payment Calculator
A car-loan payoff tool for extra payments without pretending the lender will change your contract.
Net Worth Calculator
A simple assets-minus-liabilities calculator for a household money picture.