8 free tools to help you understand, plan, and pay off your debt. No signup, no ads, no judgement.
Compare snowball vs avalanche strategies across multiple debts. Find your fastest path to freedom.
Try it freeSee exactly when you'll be debt-free and how much interest you'll pay on a single card.
Try it freeSee the shocking cost of only making minimum payments, and what happens when you pay more.
Try it freeCompare the cost of staying vs transferring to a 0% card, and see if you'll actually save.
Try it freeFind out if your debt level is healthy, manageable, or needs urgent attention.
Try it freePlan your emergency fund or savings target. See how long it takes at your current pace.
Try it freeSee if combining your debts into one loan would actually save you money or cost more.
Try it freeCreate a simple spending plan that shows exactly where your money goes each month.
Try it freeIf you have multiple debts (credit cards, loans, overdrafts), start with the Debt Payoff Calculator, which compares strategies across all your debts. If you only have one credit card, the Credit Card Payoff calculator is simpler and faster.
Yes, 100% free. No premium tiers, no hidden fees, no signup required. We believe everyone deserves access to financial tools without barriers.
All calculations happen entirely in your browser. We never store, transmit, or access any financial information you enter. Your data never leaves your device.
We have 8 free calculators: Debt Payoff (snowball vs avalanche), Credit Card Payoff, Minimum Payment, Balance Transfer, Debt-to-Income Ratio, Savings Goal, Loan Consolidation, and Budget Planner. Plus a Debt Freedom Planner that ties them all together into a personalised payoff plan.