Credit Tools’s free interactive calculators can help you prepare for an auto or home loan, plan for retirement and set savings goals. Our calculators provide instant results with no need to fill out complicated forms.

Credit Score Estimator

Our finance experts developed the Credit Score Estimator to give you insight into where your credit stands today and how changes you make will affect your score in the future.

Debt Payment Calculator

Our Debt Payment Calculator can help you better understand how to pay off your debt. Calculate your out-of-debt date and how much your current debt will cost you in interest. Then the calculator automatically compares this to three other optimized debt payment plans, displaying your savings and timeline for each. If you see a better debt payment plan, you can easily select it and put it in place – allowing you to save more money in interest and get out of debt sooner.

Debt-to-Income Calculator

Lenders use your DTI ratio to evaluate your current debt load and to see how much you can responsibly afford to borrow. Less debt equals more borrowing power. See where your debt levels stand.

Credit Card Payoff Calculator

See how long it will take you to be debt free and how much you’ll pay in interest along the way. You can also calculate the savings you’d make if you increased your credit card payments each month.

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