Free Credit Toolbox
Interactive tools to help you understand, build, and optimize your credit. All tools run instantly in your browser — no sign-up needed.
Credit Utilization Calculator
See how your credit card balances affect your score and get tips to improve.
Credit Score Simulator
Estimate how different actions could raise or lower your credit score.
Payoff Time Calculator
Find out how long it will take to pay off your credit card balance.
Interest Cost Calculator
See exactly how much credit card interest costs you daily, monthly, and yearly.
Optimal Payment Calculator
Calculate the exact payment needed to reach your ideal utilization rate.
Credit Age Calculator
Track the average age of your credit accounts and its impact on your score.
Hard Inquiry Impact Tool
Understand how hard inquiries affect your score and when they fall off.
Emergency Fund Calculator
Figure out how much you need saved and create a realistic savings plan.
Pay in Full vs. Minimum
Compare paying your balance in full versus making minimum payments.
DollarPing Strategy Tool
Get personalized micro-payment recommendations to optimize utilization across cards.