Free educational tools
Credit tools you can actually use.
Filter by topic, search, and open full calculators — no card required. Educational estimates only, never a guarantee.
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Free credit analysis
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- Credit utilization calculatorSee overall revolving utilization and educational score-impact bands.Open tool →
- Paydown to target utilizationHow much to pay to hit a utilization target on a revolving balance.Open tool →
- Credit card payoff calculatorMonths to zero and total interest at a fixed monthly payment.Open tool →
- Minimum payment trap calculatorCompare time and interest if you pay only the card minimum versus a fixed monthly payment.Open tool →
- Debt payoff plannerCompare snowball vs avalanche strategies across multiple debts.Open tool →
- Credit score dollar-impact calculatorEstimate extra interest across mortgage, auto, and cards by score band (educational rates).Open tool →
- Mortgage rate-by-score payment deltaSee illustrative payment and interest gaps across credit score rate bands for a fixed mortgage.Open tool →
- Debt-to-income (DTI) calculatorFront-end and back-end DTI from income and monthly debts (educational bands only).Open tool →
- House affordability at my credit scoreEducational max home price from income, debts, down payment, and score-band APR.Open tool →
- Auto loan payment by score tierEducational monthly payment and total interest across credit score APR bands for an auto loan.Open tool →
- Auto loan refinance savings calculatorCompare current auto loan payment and remaining cost versus a refinance rate, term, and fees.Open tool →
- Negative-item drop-off date calculatorEstimate when common negative items may age off a credit report from type and start date.Open tool →
- Credit cleanup total-cost calculatorEstimate total dispute-program cost from monthly fee, months, setup, and other fees.Open tool →
- Worth-it ROI calculatorCompare program fees to an illustrative multi-year cost of lower credit.Open tool →
- DIY vs hire savings / time-cost calculatorCompare hire fees to DIY time cost at your hourly rate plus materials.Open tool →
- Credit score goal & timeline calculatorRough educational months from your current score band to a goal for a primary focus action.Open tool →
- Cost-of-waiting calculatorCompare financing now versus waiting for a better rate tier - educational interest gap only.Open tool →
- Balance transfer calculator (0% window)Payoff inside a 0% promo window and fee-adjusted savings versus staying on your current APR.Open tool →
- Credit card APR / daily interest explainerTurn an APR into daily and period interest on a revolving balance (educational).Open tool →
- Personal loan payment calculatorEstimate monthly payment and total interest for a fixed-rate personal loan.Open tool →
- Personal loan refinance / consolidation savingsCompare current personal-loan remaining cost versus a new rate, term, and fees.Open tool →
- Debt settlement lump-sum true-cost calculatorLump-sum settlement cost after fees and a rough tax cut on cancelled debt.Open tool →
- DIY vs hire readiness quizShort quiz on whether DIY credit work fits your time, stress, budget, and case.Open tool →
- Auto affordability with bad creditEstimate vehicle price range from a monthly payment budget using subprime and other score-tier APR bands.Open tool →
- Points to next mortgage rate / LLPA bracketEstimate score points to the next illustrative mortgage pricing band and payment impact if reached.Open tool →
- Raise score vs buy-down rateCompare waiting to improve your mortgage rate versus paying points to buy down the rate now.Open tool →
- Where do I start? credit fix orientation quizShort quiz that points you to the most relevant tools and the free credit view.Open tool →
- Statute of limitations on debt (educational)Typical SOL year ranges by debt type with heavy disclaimer - not legal advice or a state ruling.Open tool →
- Collection settle vs dispute helperEducational path suggestions for collections: validate, dispute, or explore settlement - not legal advice.Open tool →
- Debt consolidation loan vs current paymentsCompare current minimum payments with a consolidation loan payment and total cost (educational).Open tool →
- Banded credit score what-if simulatorToggle educational scenarios to see a directional score-band move - not a real score model.Open tool →
- Free credit analysisConnect your report for a plain-English free credit view - featured on the tools hub; opens the /start funnel.Open tool →
- Subprime-to-prime auto refinance targetsEducational score-tier targets toward better auto refinance rates with rough payment savings.Open tool →
- Loan approval odds estimatorBanded educational approval likelihood for personal, auto, or mortgage-style loans from score and DTI.Open tool →
- Credit card approval odds / type matchmakerEducational card-type ideas from score band and goals - not pre-qualification or approval odds.Open tool →
- Lifetime cost of bad creditIllustrative extra interest over years if rates stay at a weaker score band vs a stronger one.Open tool →
- Utilization payoff ladderSee how much to pay at 50%, 30%, 10%, and 0% utilization targets and which educational band each hits.Open tool →