Credit & Cards Tools
Explore our free credit & cards tools and calculators to plan smarter, save more and reach your financial goals.
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Credit & Cards Tools
APR Calculator
Convert interest rate and fees into APR
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Annual Fee Worth It Calculator
Decide if a card annual fee pays off
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Balance Transfer Calculator
Estimate savings from a balance transfer
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Cash Advance Fee Calculator
Calculate fees and interest on a cash advance
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Cashback Rewards Calculator
Calculate cashback earned on spending
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Credit Card Comparison Calculator
Compare two credit cards by cost and rewards
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Credit Card Interest Calculator
Calculate interest charged on card balances
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Credit Card Payoff Calculator
See how long to pay off credit card debt
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Credit Limit Increase Calculator
See how a limit increase affects utilization
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Credit Score Simulator
See how actions may affect your credit score
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Credit Utilization Calculator
Calculate your credit utilization ratio
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Extra Payment Savings Calculator
See interest saved with extra payments
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Minimum Payment Calculator
See the cost of paying only the minimum
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Two Card Payoff Calculator
Plan payoff across two credit cards
OpenAbout Credit & Cards calculators
Credit card interest is some of the most expensive debt there is, so seeing the numbers clearly matters. These calculators show how long a balance will take to clear, what interest costs, and how to pay it off faster.
Use the payoff and minimum-payment tools to see how long minimum payments really take and how much faster a fixed monthly amount clears the balance. The interest and utilization calculators show what a balance costs and how your usage affects your credit score, while balance-transfer tools weigh up a 0% offer.
Credit & Cards calculators: frequently asked questions
Why does paying only the minimum take so long?
The minimum payment is set low, often barely above the monthly interest, so very little reduces the principal. A balance can take years and cost more in interest than the original amount. The payoff calculator shows the dramatic difference a fixed payment makes.
What is a good credit utilization ratio?
Utilization is the share of your available credit you are using, and keeping it under about 30%, ideally lower, is better for your credit score. The utilization calculator shows your ratio and how paying down a balance improves it.
Is a balance transfer worth it?
A 0% balance transfer can save significant interest if you clear the balance before the promotional period ends, but factor in the transfer fee. The balance transfer calculator compares the cost against staying on your current rate.
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