Debt Repayment

Plan how to repay credit cards, loans, and personal debts.

Use debt payoff calculators to compare repayment strategies, including snowball and avalanche methods, and minimize interest costs.

Debt Snowball Planner

Organize and pay off debts from smallest to largest balance.

Sort debts by balance; apply extra payment to smallest debt first

Debt Avalanche Planner

Organize debts by highest interest rate to minimize total interest paid.

Sort debts by interest rate descending; apply extra payment to highest rate first

Early Payoff Savings Calculator

Estimate how much interest you save by paying off debt early.

Compare total interest with and without extra payments

Debt-to-Income Ratio Calculator

See how your monthly debt compares to your income.

DTI = (Monthly Debt Payments / Gross Monthly Income) × 100

Debt Consolidation Estimator

Compare total payments with and without consolidation.

Compare total cost and interest before and after consolidation

Minimum Payment Time Estimator

Estimate how long it will take to pay off a debt using minimum payments.

Amortized formula for monthly payoff time and total interest

Credit Card Payoff Planner

Plan how long it will take to pay off your credit card balance.

Amortized payoff formula

Loan Comparison Tool

Compare two loan offers side by side.

Monthly Payment = P × r × (1 + r)^n / ((1 + r)^n − 1)

Refinance Break-Even Calculator

Determine how long it takes to recoup refinancing costs.

Break-even = Refinance Costs / Monthly Savings

Student Loan Payoff Planner

Plan how long it will take to pay off your student loan.

Standard amortization formula.

Student Loan Forgiveness Estimator

Estimate how much debt could be forgiven under income-driven repayment.

Forgiven = Balance − Total Paid Over Term

Payday Loan Cost Estimator

See how much a payday loan really costs.

APR = Fees & Interest converted to annual rate.

Debt Ratio Improvement Tool

See how paying down debt affects your debt-to-income ratio.

New DTI = (Monthly Debt Payments − Extra Payment) / Monthly Income

Mortgage Payoff Accelerator

See how extra payments speed up your mortgage payoff.

Recalculates amortization with extra payment added.

Bi-Weekly Payment Estimator

Estimate how switching to bi-weekly payments impacts your loan.

Extra payment frequency reduces term and interest.

Co-Signer Impact Calculator

See how a co-signer might change your loan interest rate.

Compares monthly payment before and after.

Debt Snowflake Calculator

Track small extra payments that chip away at debt.

Sum of small payments reduces balance.

Debt Refinancing Explorer

Compare old and new debt terms when refinancing.

Compare original and new amortized payments.

Secured vs Unsecured Debt Analyzer

Compare the cost of secured vs unsecured debt.

Compare total interest for both scenarios.

Credit Utilization Ratio Checker

See what percent of your credit you’re using.

Utilization = Total Balance / Total Limit × 100

Debt Roll-Up Timeline

Estimate how fast you can clear multiple debts with extra payments.

Combine payments from cleared debts into next.

Loan Principal Reduction Calculator

Estimate how a lump-sum payment reduces your loan balance.

New Balance = Original − Lump Sum; new amortization recalculated.

Multiple Debt Prioritizer

Decide which debt to pay first for maximum savings.

Rank debts by highest cost impact.

Payday vs Personal Loan Analyzer

Compare the cost of payday vs personal loan for short-term needs.

Compare repayment costs for same amount.