Free credit card & budget calculators
Quick, private calculators for paying off cards, comparing balance transfers, checking your credit utilization, budgeting, and more. No sign-up — everything runs in your browser.
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Credit Card Payoff Calculator
How long to pay off a card at your monthly payment — or the payment you need to be debt-free by a date.
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Minimum Payment Calculator
See how long paying only the minimum really takes, and what a fixed payment saves you.
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Debt Snowball vs. Avalanche
Several cards? Compare paying smallest balance first vs. highest rate first.
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Balance Transfer Calculator
Does moving your balance to a 0% intro card actually save money after the fee?
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Credit Utilization Calculator
Your balance-to-limit ratio on each card and overall — a big part of your score.
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Credit Card Interest Calculator
What your APR costs per day, per month and per year on the balance you carry.
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Credit Score Estimator
Answer 5 quick questions for a rough score range. Not your real FICO or VantageScore.
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50/30/20 Budget Calculator
Split your take-home pay into needs, wants and savings — and compare with what you spend.
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Emergency Fund Calculator
How much to keep for emergencies and how long it takes to get there.
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Not financial advice. These calculators give estimates for general education, run entirely in your browser, and don't save anything you type. See our Advertiser Disclosure. Want the background? Read our plain-English guides.