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Calculators

Explore our suite of free debt payoff tools: payoff planners, avalanche vs snowball calculators, credit utilization trackers, and more. All bank-accurate and private.

MOST POPULAR

Main Payoff Planner

Our most advanced engine. Model any strategy and see your exact freedom date.

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Avalanche Engine

Mathematically the fastest way to debt freedom. Focuses on saving the most in interest.

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Snowball Momentum

The psychological win. Clear small balances first to build habit and momentum.

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Score Impact Calc

Model how paying down specific cards will boost your FICO score immediately.

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Transfer Optimizer

Calculate if a 0% offer actually saves you money after fees.

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Interest Leak Calc

See exactly how much you are losing to daily interest and how to stop it.

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Minimum Trap Calc

See the devastating cost of only paying what the bank asks for.

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Payoff Timeline

Model scenarios to find your ideal debt freedom date.

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Why use our calculators?

Privacy First

Privacy by design Your financial data is protected by encryption. No linked banks. No server ever sees your full credit card numbers.

Bank-accurate

We use daily accrual math to ensure your results match your real bank statements exactly.

Proven Results

Users with a clear mathematical plan stay motivated longer and pay off debt significantly faster.

Continue with the most relevant calculators, guides, and comparison pages.

100% Private

No bank login required. Your data is protected by end-to-end encryption and stays local by default.

  • AES-GCM encryption

    256-bit authenticated encryption

  • Local-first storage

    Your data stays on your device by default

  • We don't sell your data

    No ads, no data brokers, ever