Guided journey
Enter your debt once and compare payoff, consolidation, and balance transfer paths with decision signals, risks, levers, and educational disclosures.
Paying it down
Debt and credit card calculators
Plan payoff, minimum payments, balance transfers, consolidation, and debt ratios.
Start with the guided path
Compares the whole decision in one place
Debt and credit card calculators
5 calculators
About these calculators
Debt tools answer two separate questions: how long a balance takes to clear at a given payment, and what changes that timeline. Those are different from the question of which debt to clear first.
Minimum payments are the reason revolving balances persist, because they are calculated as a percentage of the balance and fall as it does. The calculators below model payoff timelines, minimum-payment behaviour, balance transfer costs including the transfer fee, consolidation, and the debt-to-income ratio lenders read.
Which tool answers what
| Calculator | What it estimates |
|---|---|
| Credit Card Payoff Calculator | Estimate how long it may take to pay off a credit card balance with a fixed monthly payment, including total interest and total paid. |
| Credit Card Minimum Payment Calculator | See how long a credit card balance may take to clear when you pay only the minimum each month, and how much interest that adds. |
| Balance Transfer Calculator | Compare keeping a card balance where it is with moving it to a promotional rate, including the transfer fee. Estimates only, not an offer. |
| Debt Consolidation Calculator | Compare what you pay now across your debts with one consolidation loan, and see the estimated difference in monthly payment and total interest. |
| Debt-to-Income Calculator | Work out debt-to-income (DTI), the debt share of income, from your income before taxes and your monthly debt payments. |
Common questions
Why do minimum payments take so long to clear a balance?
A minimum payment is typically set as a small percentage of the outstanding balance, so it shrinks as the balance shrinks. Much of each payment covers interest, and the amount reducing the principal falls month by month, which extends the timeline considerably compared with a fixed payment.
Does a fixed monthly payment clear debt faster?
Holding the payment level as the balance falls means a rising share of each payment goes to principal, rather than the payment falling alongside the balance. The payoff calculator shows the difference between a fixed payment and a minimum payment on the same balance and rate.
Is a balance transfer worth the fee?
A transfer fee is charged upfront as a percentage of the amount moved, so it only pays if the interest saved during the promotional period exceeds it. What happens to any balance still outstanding when the promotional rate ends matters as much as the headline rate.
What is debt-to-income and how is it read?
Debt-to-income is total monthly debt payments divided by gross monthly income, expressed as a percentage. Lenders use it as one measure of whether existing commitments leave room for a new one. The calculator produces the ratio from the payments and income entered.
Other decisions
What do I actually take home?
Estimate take-home pay, salary deductions, tax withholding, and employer payroll cost.
Can I buy this home?
Estimate home affordability, mortgage payments, down payment, loan-to-value, and closing costs.
How do I manage or improve my existing mortgage?
See amortization, payoff, extra payments, recasts, points, and rate-adjustment scenarios.
Should I refinance or use home equity?
Compare refinance options, break-even timing, equity access, HELOCs, and cash-out choices.
What will this loan cost me?
Estimate payment, APR, repayment schedule, and total loan cost.
How will my money grow?
Saving, Investing & Retirement
Project compounding, investment growth, and retirement savings.