Debt & Credit Calculators
Debt snowball, avalanche, credit card payoff, and debt-to-income ratio. All 6 tools run entirely in your browser — no sign-up, no data stored.
All Debt & Credit Tools
Debt Payoff Calculator
Calculate how long it takes to pay off multiple debts and the total interest cost.
Debt Snowball Calculator
Use the debt snowball method — pay smallest balances first to build momentum.
Debt Avalanche Calculator
Use the debt avalanche method — target highest-interest debts first to minimize total cost.
Credit Card Payoff Calculator
Find out how long it takes to pay off your credit card balance and total interest paid.
Credit Card Minimum Payment Calculator
See the true cost of only making minimum payments on your credit card over time.
Debt-to-Income Calculator
Calculate your debt-to-income (DTI) ratio to understand your borrowing capacity.
Frequently Asked Questions
What is the debt snowball method?
You pay minimum payments on all debts, then put any extra money toward the smallest balance. Once it's paid off, roll that payment to the next smallest. The quick wins build motivation.
What is the debt avalanche method?
You pay minimum payments on all debts, then direct extra money toward the highest-interest debt. This minimises total interest paid, making it mathematically optimal.
What is a good debt-to-income ratio?
Lenders generally prefer a DTI below 36%. A DTI above 43% makes it difficult to qualify for most loans. Below 20% is considered excellent.
What happens if I only pay credit card minimums?
Minimum payments are typically 1–2% of the balance plus interest. On a $5,000 balance at 20% APR, paying only minimums can take over 20 years and cost more than $6,000 in interest.