Debt calculators
Make a plan to get out of debt. See what your balances really cost, compare payoff strategies, and check whether consolidating or a balance transfer would actually help.
Credit Card Payoff Calculator
How long until a card is paid off, what it costs, and the payment that clears it by a target date.
Debt Payoff Calculator
The debt snowball and avalanche methods compared side by side for all of your debts.
Debt Consolidation Calculator
Whether one consolidation loan would cost less than the debts you have now.
Balance Transfer Calculator
Whether a 0% intro balance transfer is worth the fee, and what to pay to finish before the promo ends.
Debt-to-Income Ratio Calculator
Your DTI ratio, and how lenders are likely to see it when you apply for a mortgage or loan.
Where to start
- See what each balance really costs. Put your biggest card into the credit card payoff calculator and compare paying the minimum with paying a fixed amount.
- Make one plan for all of your debts. The debt payoff calculator tells you which debt to target first and when you'll be debt-free.
- Look for a lower interest rate. Check whether a balance transfer or a consolidation loan would cut your costs. Then make sure the new plan has an end date.
- Check your debt-to-income ratio with the DTI calculator before applying for a mortgage or any new credit.
For a complete walkthrough with real numbers, read how to pay off $10,000 in credit card debt.
If you're struggling to keep up
If you can't cover your minimum payments, act early. Call your card issuers and ask about hardship programs. A nonprofit credit counseling agency can also review your situation for free or at low cost, and may be able to set up a debt management plan with lower interest rates. Be cautious with companies that promise to settle your debts for less, especially if they ask for fees upfront.
Last reviewed: October 2026