Take control of your credit. Calculate smarter. Pay off faster.

Free tools to help you manage debt, improve your credit score, and achieve financial freedom.

Created by Anish Shera

Free Credit & Debt Management Tools

💳

Credit Card Payoff Calculator

Calculate how long it will take to pay off your credit card debt and how much interest you'll pay.

Try Tool
📊

Loan Comparison Tool

Compare different loan options side-by-side to find the best terms and rates for your situation.

Try Tool
📈

Credit Utilization Calculator

Monitor your credit utilization ratio and see how it affects your credit score.

Try Tool
📅

Debt-Free Date Calculator

Find out exactly when you'll be debt-free based on your current payment strategy.

Try Tool
🔄

Refinance Break-Even Calculator

Determine if refinancing makes financial sense and when you'll break even on closing costs.

Try Tool
⚖️

Balance Transfer Calculator

See if a balance transfer will save you money and calculate potential savings.

Try Tool

Credit Score Impact Tool

Understand how different financial actions will impact your credit score.

Try Tool
💰

Payment Allocation Calculator

Optimize your debt payments using avalanche or snowball strategies.

Try Tool
📝

Budget Planner

Create a personalized budget and track your spending to improve your financial health.

Try Tool
🎯

Financial Goal Tracker

Set and track progress toward your financial goals with actionable milestones.

Try Tool