Tools
Run the numbers yourself
Enter your debts once in any tool; the others reuse them. Nothing leaves your browser.
Debt Check
List your debts once. See what they really cost and which options fit. Every other tool reuses what you enter.
Does a loan save me?
A consolidation loan against your current plan, fees included.
State debt rulesComing soon
Time limits to sue, wage garnishment limits and settlement rules by state.
More calculators by topic
Credit card & unsecured debt
Credit card interest calculator
What your APR costs this billing cycle and each month.
Credit utilization calculator
How much of your limits you use, overall and per card.
Hardship letter builder
Ask your card company for a lower rate or payment, in writing.
Settlement offer letter
Offer to settle a balance, with the agreement in writing first.
Insolvency worksheet
How much canceled debt may be excluded from income (IRS Form 982).
Debt payoff spreadsheet
A free snowball or avalanche template with live formulas, for Excel or Google Sheets.
Debt payoff tracker
Check off each month's payments online and watch your balance fall. No account.
Debt consolidation
Personal loan calculator
Payment, total cost and the APR once the fee is counted.
Balance transfer calculator
The fee, what's left when the promo ends, and whether it beats staying put.
401(k) loan vs. consolidation loan
Borrow from retirement, take a loan or withdraw: what each costs.
Money basics
Short on cash
Need money now? Every option priced
Every way to cover a shortfall, priced in dollars, cheapest first.
APR calculator
The yearly rate once every fee is counted, for any loan.
Cash advance app cost calculator
Express fees, tips and memberships, turned into a yearly rate.
Payday loan calculator
The fee, the APR and what renewing the loan adds up to.
Credit card cash advance calculator
The fee plus interest from day one, before you take cash from a card.
Payday loan laws by state
Whether payday and title loans are allowed in your state, and the limits.
Title loan calculator
What a car title loan costs each month, and what's at stake.
Small loan payment calculator
Payment, total cost and whether it fits your take-home pay.
Loan scam checker
The warning signs of a fake loan offer, checked one by one.
Payday alternative loan (PAL) calculator
Credit union PAL limits, payment and cost next to a payday loan.