Credit Lab
Free credit calculators
Pick what you want to figure out. Each calculator shows the math behind the answer, takes a minute, and needs no sign-up. Your numbers never leave your device.
What do you want to figure out?
How much of my credit am I using?
See your utilization across every card, and how much to pay down to reach 30%, 10% or 5%.
Open the credit utilization calculatorWhat will a credit builder really cost me?
Add up the fees, payments and money you get back to see the true cost of any credit builder.
Open the credit builder cost calculatorHow long will it take to pay off my card?
See your payoff date, the interest you'll pay, and how much faster an extra payment gets you there.
Open the card payoff calculatorMore calculators
Debt payoff calculatorAdd every debt, choose avalanche or snowball, and see your debt-free date and total interest.Debt-to-income ratio calculatorSee how much of your income goes to debt payments before you apply for a car, home or apartment.Loan payment calculatorSee the monthly payment and total interest on a car or personal loan, and compare terms.
Personalized credit plan
Want a plan instead of a calculation?
Answer a few quick questions about your goals and budget, and we'll build you a personalized credit plan. Free, no sign-up needed.
Get My Credit PlanCalculators are for education. They don't predict a credit score or a lender's decision.