Debt Calculators
Last updated: October 2026
Debt Payoff Strategy Comparison
Compare paying only the minimum vs. adding extra each month on your combined debt balance, and see how much faster extra payments shrink what you owe over your chosen period.
Personal Loan Payoff Calculator
Calculate your exact monthly payment on a personal loan, including processing fees and extra payments.
Credit Card Payoff Calculator
Find how many months it takes to pay off a credit card at a fixed monthly payment and APR, with total interest and a month-by-month balance chart.
Debt Avalanche Calculator
Plan a debt avalanche: list up to four debts and your extra monthly payment, and see the payoff order, months to debt-free and interest saved by paying the highest rate first.
Debt Affordability Calculator
Calculate the maximum loan amount you can responsibly afford based on your income, existing debts, and the 36% debt-to-income rule.
Bad Debt Ratio Calculator
Measure what percentage of your total receivables or debt portfolio has become uncollectible.
Debt Consolidation Calculator
Calculate the monthly payment on a debt consolidation loan, including any origination fee, from the balance you roll over, the new rate and the term.
Student Loan Forgiveness Calculator
Estimate how much of your federal student loan balance could be forgiven under IBR or the new Repayment Assistance Plan (RAP), after 10 years with PSLF or 20 to 30 years otherwise, using a month-by-month projection that includes interest.
Debt-to-Income Ratio Calculator
Work out your debt-to-income (DTI) ratio: total monthly debt payments divided by gross monthly income, compared with the limits mortgage lenders use.
Debt Snowball Calculator
Plan a debt snowball: list up to four debts, set your total monthly payment, and see the month each debt is paid off when you clear the smallest balance first, with the avalanche order for comparison.