Debt, cards and loans
Six free calculators to clear balances faster, check real loan APRs with fees, and test whether credit card perks beat annual fees or cash discounts.
Which calculator should I start with?
Start with the kind of balance or payment you want to test. If you have one credit card balance and want to see why minimum payments drag on for years, open Credit Card Minimum Payment & Payoff first. Enter your balance and APR to see how adding even $50 or $100 a month cuts years off your payoff date. If you are juggling two or more cards or loans at once, switch to Debt Snowball vs. Debt Avalanche to get a month-by-month payoff plan and see how much interest you save by targeting the highest rate first.
Before you take out a new loan to roll balances together, check Debt Consolidation. Many consolidation loans lower your monthly payment only by stretching the term and adding an upfront origination fee, which can cost more in total interest. If you are shopping for a standalone loan for a purchase or bill, use Personal Loan True Cost & APR to see the exact cash deposited in your bank account after upfront fees and the true APR you are paying.
If you pay your cards in full each month and want to check rewards math, two tools give you a fast answer. Use Credit Card Annual Fee Payback to test whether a fee card beats a free 2% cash-back card after counting only perks you actually use. And when a contractor or shop charges a 3% card surcharge, run Pay Cash Discount vs. Credit Card Rewards to see which way wins.