Pay off debt,
with clear numbers.
Free, easy calculators to understand your debt and build a plan to get out of it. No jargon, no sign-up, and we never store your data.
The calculators
Debt-focused tools. More on the way.
Debt payoff
Compare snowball and avalanche. See when you'll be debt-free and how much you save.
Try the calculator →Credit card payoff
How long it takes to clear your card and the cost of paying only the minimum.
Try the calculator →Debt-to-income (DTI)
Find out how much of your income goes to debt and whether you're in a healthy range.
Try the calculator →Budget (50/30/20)
See how your income is split and compare it against the 50/30/20 rule.
Try the calculator →Compound interest
Watch your savings grow over time and see how much of your balance is interest.
Try the calculator →Rent vs. buy a home
Compare the net cost of both paths and see the year buying starts to win.
Try the calculator →EV vs. gas car
Total cost of each car, cost per mile, and when the EV's price premium pays back.
Try the calculator →Clear, not intimidating
We explain every number in plain words. No financial jargon that leaves you lost.
Private by design
Everything runs in your browser. No sign-up, and we don't store what you type.
On your side
Our goal is simple: help you pay less interest and improve your financial health.
Featured articles
All articles →Electric vs. Gas Cars: Which Is Actually Cheaper for You?
Electric vs. gas cars: total cost of ownership, fuel and maintenance savings, and how many years it takes for the EV premium to pay for itself.
Read more →Renting vs. Buying a Home: How to Actually Decide
Rent or buy a home: compare total costs, not monthly payments. Break-even point, price-to-rent ratio, and opportunity cost, with worked examples.
Read more →Snowball vs. Avalanche: Which Method Pays Off Debt Faster?
Snowball vs. avalanche: compare the two debt payoff methods, see a side-by-side example, and find out which one gets you out of debt faster.
Read more →