Free tools to estimate interest, simulate credit score changes, and make smarter credit decisions.
Calculate exactly how much interest you're paying and find your payoff date.
See how new accounts, inquiries, or payments could impact your score.
Maintain the ideal balance-to-limit ratio to optimize your credit health.
Compare borrowing costs between personal loans and credit lines side-by-side.
Understand how the average age of your accounts influences your credit profile.
Tools are educational estimates, not guarantees. Our mission is built on financial literacy and transparency, providing you with the data needed to make informed decisions without the marketing hype.
Input your current financial data securely into our focused calculators.
Receive immediate, data-driven projections based on standard credit models.
Use your insights to adjust habits and improve your long-term score.