Debt & Credit Calculators — Plain English

Debt avalanche, snowball, credit card payoff, and consolidation calculators.

Balance Transfer Calculator

Calculate if a 0% balance transfer offer will save you money after fees.

Credit Card Payoff Calculator

Calculate how long it takes to pay off credit card debt and the total interest cost.

Debt Avalanche Calculator

Pay off multiple debts in the mathematically optimal order to minimise interest.

Debt Consolidation Calculator

See if consolidating multiple debts into one loan saves you money.

Debt Snowball Calculator

Pay off your smallest debts first for quick wins and motivation to stay debt-free.

Minimum Payment Trap Calculator

See exactly how long and how much it costs to pay only the minimum on a credit card.