Comprehensive financial tools to help you make smarter credit card decisions, manage debt effectively, and maximize your rewards.
Tools to help you manage and pay off credit card debt effectively
Calculate how long it will take to pay off your credit card debt and see the impact of extra payments.
Compare your current debt payments with a consolidated loan to see potential savings and simplify payments.
Understand the true cost of making only minimum payments on your credit cards.
Determine the monthly payment needed to pay off your debt within a specific timeframe.
Calculate how much interest you'll pay on your credit card balance over time.
Optimize your credit utilization and transfer strategies
Monitor your credit utilization ratio across all cards to maintain a healthy credit score.
Calculate potential savings from transferring balances to cards with lower interest rates.
Maximize your credit card rewards and understand point values
Calculate the real-world value of your credit card points, miles, and rewards.
Determine whether to use points or pay cash for travel and purchases.
Use our Card Finder tool to get personalized recommendations based on your spending habits and financial goals.
Find Your Perfect CardAll our calculators are completely free to use with no hidden fees or registration required.
Our calculators use industry-standard formulas and up-to-date interest rates for precise calculations.
Get immediate calculations and insights to help you make informed financial decisions quickly.