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Credit Calculators

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How Much Do You REALLY Owe?

To understand how much money you REALLY owe to creditors, it helps to use calculators! Thankfully, there’s no shortage of online options for this. We’ve assembled some of our favorite calculators to help you pay off and avoid racking up more debt.

Pay Off Credit Cards and Debt
This calculator from the Ontario Securities Commission will give you monthly payment plans for up to 8 credit cards or loans, including lines of credit and mortgages. It will show you the order in which you should pay off the debts, and how long it will take.

Credit Card Payoff Calculator
This calculator from Credit.com shows you how long it will take you to be debt free and how much interest you’ll pay along the way. You can also calculate the savings you’d make if you increased your credit card payments each month.

Pay Down Debt or Invest
This calculator from the Ontario Securities Commission will help you decide what to do if you have extra money. Should you invest it or pay off debt?

Credit Utilization Ratio Calculator
This calculator from NerdWallet.com helps you figure out your credit utilization ratio, which is used in determining your credit score.

Car Loan Calculator
This calculator from Cars.com helps you calculate car payments over the life of your loan. You can adjust the length of the loan, down payment, and interest rate to see how those changes raise or lower your auto payments.

Mortgage Calculator
This calculator from TeachBanzai.com helps you assess how much you’ll end up paying in total for the length of your mortgage. You can adjust the down payment, loan term, and interest rate. Advanced options allow you to adjust the amount you pay for home insurance, property tax, and PMI.

More Financial Calculators
If the calculators above don’t meet your needs, PracticalMoneySkills.com has dozens of financial calculators!
 

Helpful Resources

Basics of Credit
Credit Reports and Scores
Debt Management

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