Run the numbers before you make a move
Three calculators that run entirely in your browser. Nothing you enter is sent anywhere. Every output is an estimate for planning purposes, not a promise of any outcome.
Credit utilization calculator
Enter a credit limit and current balance for a single card, or a total across all your revolving accounts, to see the resulting utilization ratio.
0%
This calculation is an estimate and does not guarantee any change to a credit score.
Debt payoff calculator
Estimate how long it takes to pay off a balance at a fixed APR and monthly payment, assuming no new charges are added.
Estimated payoff time
—
Estimated total interest
—
Actual payoff time may vary based on fees, promotional rates, and changes to your balance.
Credit impact scenario tool
Compare your current utilization against a 25% lower balance, a 25% higher balance, and an extra payment amount of your choice.
Current
—
25% lower balance
—
25% higher balance
—
With extra payment
—
These figures show how each scenario would change only your utilization ratio. They are not a prediction of a specific score increase or decrease.
Scenario outputs are estimates and do not guarantee any change to a credit score or financial outcome.