Money Tools - Credit Repair Choices

Free money tools

Turn balances into decisions you can act on.

Estimate payoff time, utilization, debt-to-income ratio, monthly cash flow, and an emergency-fund target. Nothing on this page connects to a bank or credit bureau.

Debt payoff planner

Compare smallest-balance-first with highest-interest-first and estimate payoff order, time, and interest.

Build a payoff plan

Credit utilization

Combine revolving balances and limits, then estimate the balance reduction needed to reach lower utilization levels.

Check utilization

Quick estimates

Run the numbers without creating an account.

These results stay on this page and are cleared when you leave or refresh it.

Debt-to-income ratio

Compare listed monthly debt payments with gross monthly income.

Gross monthly income ($) Monthly debt payments ($)

Monthly cash flow

See what remains after essential expenses and debt payments.

Take-home income ($) Essential expenses ($) Debt payments ($)

Credit card payoff estimate

Estimate payoff time and interest for one balance with a fixed payment.

Current balance ($) APR (%) Monthly payment ($)

Emergency-fund target

Turn essential monthly expenses into a simple savings target.

Essential monthly expenses ($) Months to cover

Use labels, not account numbers.

Calculator inputs are estimates for education. Do not enter Social Security numbers, complete account numbers, bank credentials, or credit-bureau passwords.

Join the conversation

Load Facebook comments to read and reply using your Facebook account.

After the debt is gone

Give the old payment a new job.

Before investing, consider a starter emergency fund, any employer retirement match, and whether high-interest debt remains. Then the amount that used to go toward debt can become an automatic long-term contribution instead of quietly disappearing into monthly spending.

Consider a Roth IRA

A Roth IRA can provide tax-free qualified withdrawals in retirement, subject to eligibility, contribution, and withdrawal rules. A diversified fund or dividend reinvestment plan may help automate a long horizon, but neither guarantees returns.

Explore Stash

Start with $5. A qualifying minimum $5 deposit may provide each party a $30 investment credit under the current referral offer. Offer terms can change. Dividend income is not guaranteed and should not be relied upon to offset account fees.

Start with a taxable account

A standard brokerage account may fit money needed before retirement age. Compare fees, available investments, tax treatment, and the temptation to trade frequently before choosing a platform.

View the Robinhood offer

The current referral offer says eligible new users receive a gift stock valued from $5 to $200; approximately 99% receive about $5. Eligibility and terms apply and can change.

Affiliate disclosure: These links may provide a benefit to you and a referral reward to Matthew Murphy. That relationship does not change the educational cautions above.

Disclaimer: We are not a financial adviser. This content is for educational purposes only. Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. Research each option and consider your own goals, taxes, time horizon, and risk tolerance.