MoniCalculator Pro

Personal Finance calculators

Debt, savings, and payoff planning.

These calculators help you plan credit card and other debt. Enter what you owe, the rate, and what you can pay each month, and see how long the payoff takes and how much interest it costs.

Use the payoff calculators to compare the snowball and avalanche methods, and check how a balance transfer or consolidation loan would change the plan before you commit to it.

Debt payoff calculator See how long a credit card balance takes to clear, how much goes to interest, and what a bigger payment changes. See more → Debt Snowball Calculator See how long three debts take to clear when you pay minimums on each and put every extra dollar toward the smallest balance first. See more → Debt Avalanche Calculator See how long three debts take to clear when you pay minimums on each and put every extra dollar toward the highest interest rate first. See more → Credit Utilization Calculator Work out the share of your total credit limit in use across two cards, and how much to pay down to reach the share you want. See more → Debt Consolidation Calculator Compare paying your current debts with one consolidation loan for the same total, including the fee, to see which costs less in interest. See more → Credit Card Cash Back Calculator Estimate the yearly cash back from card spending, minus any annual fee, to see whether a rewards card is worth it for your spending. See more → Personal Loan vs Credit Card Calculator Compare paying off a credit card balance with a personal loan for the same amount, including the loan fee, to see which one costs less in total. See more →