Financial Calculators Created to Help You Manage Debt Smartly

Whether you need to budget, pay off credit cards, plan for a mortgage, or prepare for retirement, our user-friendly tools offer precise calculations to guide your decisions. Simplify your journey to financial freedom with personalized insights and practical solutions. Start calculating how fast you can reach your financial goals today!
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Financial Calculators

To use any calculator, simply click on the calculator name

Retirement Calculators

401(k) Savings Calculator
Retirement Income Calculator
Retirement Planner Calculator

Financial Calculators

Auto Loan Calculator
Budgeting Calculator
Cost-of-Debt Calculator
Credit Card Debt Calculator
Credit Card Pay-Off Calculator
How Much Do You Owe Calculator
Loan Payment Frequency Calculator
Loan Pre-Qualification Calculator
Student Loan Calculator

Housing Calculators

Home Equity Line of Credit Calculator
Mortgage APR Calculator
Mortgage Loan Calculator
Maximum Mortgage Calculator
Mortgage Payment Calculator 15, 20, 30yr Loan
Mortgage Payoff Calculator
Mortgage Qualifier Calculator
Mortgage Required Income
Buy vs. Lease Calculator
Reverse Mortgage Calculator

Savings Calculators

Family Income Calculator
Home Buyer Savings Calculator
Savings Goals Calculator

401(k) Savings Calculator

Calculate your retirement savings effortlessly with our easy-to-use tool. Discover how much you need to save monthly to reach your retirement goals. Plan ahead and ensure a secure financial future with accurate, personalized insights.
Calculate My 401(k)

Retirement Income Calculator

Plan for a secure future with our easy-to-use tool. Calculate your estimated retirement income based on your savings, investments, and expected expenses. Make informed decisions today to ensure a comfortable and worry-free retirement tomorrow.
Calculate My Retirement Income

Retirement Planner Calculator

Our free tool helps you plan your retirement with ease. Input your savings, age, and goals to see a clear picture of your financial future. Make informed decisions, adjust your strategy, and secure a comfortable retirement. Start planning today!
Calculate My Retirement

Auto Loan Calculator

Our auto loan calculator helps you estimate monthly payments and total loan costs. It's an essential tool for planning your budget and making informed decisions.
Calculate My Car Loan

Budgeting Calculator

Effortlessly manage your finances with our tool, designed to help you track income and expenses, plan savings, and reduce debt. Gain control over your spending, set realistic financial goals, and achieve financial stability with ease.
Calculate My Budget

Cost-of-Debt Calculator

Unlock your financial potential with our cost-of-debt calculator! This essential tool helps you understand the true cost of your debt, allowing you to make informed decisions and save money.
Calculate Borrowing Cost

Credit Card Debt Calculator

Use our Credit Card Debt Calculator to easily manage your finances. This tool helps you understand your monthly payments and total interest, allowing you to make informed decisions about reducing your debt.
Calculate My Card Debt

Credit Card Pay-Off Calculator

Use our Credit Card Payoff Calculator to plan a debt-free future. Discover how quickly you can pay off your credit cards and save on interest. This tool helps you create a clear, manageable strategy to eliminate your debt efficiently and effectively.
Calculate Payoff Plan

How Much Do You Owe Calculator

Get a complete picture of your debt with our easy-to-use tool. Quickly total all your debts in one place, gaining the clarity needed to create a realistic plan for effective debt management and reduction. Start your journey to financial freedom today.
Calculate What You Owe

Loan Payment Frequency Calculator

Easily determine the best repayment schedule for your budget with our calculator. Understand how different payment frequencies impact your loan, helping you save on interest and pay off your debt faster.
Calculate Payment Frequency

Loan Pre-Qualification Calculator

Losing a job is tough, but it doesn’t have to define your financial future. This guide gives you real steps to stay afloat and rebuild. You’ve got the strength to come out stronger, start taking control today.
Try Loan Pre-Qual Calculator

Student Loan Calculator

Easily estimate your monthly payments and total interest with our intuitive tool. This calculator helps you plan your finances, ensuring you stay on top of your student loans. Take control of your debt and achieve financial stability with confidence.
Calculate My Loan

‍Home Equity Line of Credit Calculator

Discover how much you can borrow against your home’s equity with our easy-to-use tool. Calculate potential credit limits and monthly payments to make informed decisions. Equip yourself with the knowledge to manage your finances better.
Calculate HELOC Amount

Mortgage APR Calculator

Our mortgage APR calculator factors in lender fees, closing costs, and loan terms to give you the real annual percentage rate (APR) of your mortgage. Use it to compare loan offers apples to apples.
Calculate Home Loan APR

Mortgage Loan Calculator

Whether you're exploring homeownership for the first time or comparing loan options, this tool gives you a clear breakdown, so you can make informed, confident decisions.
Calculate My Mortgage

Maximum Mortgage Calculator

Determine how much house you can afford with our intuitive tool. Calculate your maximum mortgage based on your income, expenses, and interest rates. Make informed home-buying decisions and achieve your dream of homeownership with confidence.
Calculate What I Can Afford

Mortgage Payment Calculator 15, 20, 30yr Loan

Whether you're looking for lower payments or faster payoff, this tool gives you the clarity to choose the loan that fits your budget and future plans.
Calculate 15–30 Yr Loan

Mortgage Payoff Calculator

Our tool helps you visualize how extra payments can reduce your mortgage term and save on interest. By understanding your payoff timeline, you can make informed decisions to achieve financial freedom faster. Start planning your mortgage-free future now!
Calculate My Payoff Plan

Mortgage Qualifier Calculator

Whether you're planning your first home or preparing for retirement, this tool gives you a clear picture of what’s possible, so you can move forward with confidence.
Calculate My Qualification

Mortgage Required Income

This simple tool helps you set realistic home buying goals and feel prepared before you apply, so you're financially ready to take the next step.
Calculate Income to Qualify

Buy vs. Lease Calculator

Our buy vs. lease calculator helps you compare the long-term costs and benefits of both options, so you can make the best financial decision for your lifestyle and goals.
Calculate My Best Option

Reverse Mortgage Calculator

Easily estimate the potential proceeds from a reverse mortgage with this user-friendly tool. It helps you understand how much you can borrow based on your home’s value, providing clarity and peace of mind for your financial future.
Calculate Your Loan Amount

Family Income Calculator

Calculate your family's total income effortlessly with our user-friendly tool. Gain insights into your financial health, plan for the future, and make informed budgeting decisions.
Calculate Family Income

Home Buyer Savings Calculator

Easily plan your path to homeownership with our calculator. Estimate how much you need to save, track your progress, and set realistic goals. This tool empowers you to take control of your savings and make your dream home a reality.
Calculate My Down Payment

Savings Goals Calculator

Achieve your financial dreams with our easy-to-use tool. Calculate how much you need to save each month to reach your goals. Plan for vacations, emergencies, or future purchases with confidence.
Calculate How Much to Save
About Us
Services and Resources
Credit.org is not a loan company. We do not loan / lend money.
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Credit.org is an independent nonprofit financial counseling agency and is not affiliated with any mortgage, lending or servicing provider. The content, links and resources in this site are presented for informational purposes only and should not be construed as legal or tax advice.

Credit.org is not a credit repair company.
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Credit.org does not offer credit repair services. Our focus is on providing educational resources, counseling, and support to help individuals improve their financial health and achieve their homeownership goals. We do not engage in activities that promise to remove or alter negative credit information from credit reports.