Free Credit Card Tools

Simple calculators that turn credit card terms into real numbers. They run in your browser, we do not store what you enter, and every result is an estimate for education, not personalized financial advice.

Credit Card Payoff Calculator

Enter your balance, APR and monthly payment to see how long it takes to pay off your card and how much interest you will pay, and compare the effect of paying a little more each month. Open the payoff calculator.

Balance Transfer Calculator

Compare keeping your balance where it is with moving it to a 0% intro offer, including the transfer fee and the regular APR after the promotion. Open the balance transfer calculator.

Learn how the math works

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