Tools
PayoffPath calculators
Every tool below runs entirely in your browser. Pick a calculator, read the assumptions, and change any default that does not match your situation.
Debt payoff
Debt payoff
Credit Card Payoff Calculator
Compare the true cost of paying only the minimum against a fixed monthly payment, including the number of months and total interest.
Open calculator → Debt payoffDebt Snowball vs Avalanche Calculator
Enter your balances and minimum payments to compare the snowball and avalanche methods side by side, with a month-by-month schedule and total interest for each.
Open calculator →Loan calculators
Loan calculators
Debt-to-Income (DTI) Ratio Calculator
Enter your gross income and monthly obligations to see your DTI ratio, how lenders typically read it, and how much room you have left.
Open calculator → Loan calculatorsLoan Amortization Calculator
Enter a loan amount, rate, and term to see the monthly payment, total interest, and how extra payments shorten the schedule.
Open calculator →Student loans
Our tool standards
- No hidden inputs. Every assumption is visible and editable.
- No data collection. Calculations run client-side; nothing is uploaded.
- Documented formulas. Each page explains the math in plain English.
- Cited sources. External benchmarks link to the publisher.
- Updated dates. Pages show when they were last reviewed.
- Accessible markup. Labeled inputs, keyboard support, and readable contrast.