Free financial tools
Twelve calculators and worksheets for everyday money, debt and credit planning. Use them freely, without an account.
Your entries stay in this page. They are not saved to an account or submitted to CreditSoft or Credit Sense.
Adapted from the financial planning tools at Credit Sense Credit Repair.
See what remains after essential bills, debt payments and your savings target.
Estimate the time and interest needed to pay one balance, with or without extra payments.
Calculate your revolving balance-to-limit ratio and the paydown needed for a chosen target.
Put your goals and questions into a worksheet you can print for your consultation.
Create a review checklist around your goal, time frame and credit concerns.
See utilization before and after a planned paydown. Actual credit-score changes vary.
Compare individual cards, overall utilization and target paydowns without double-counting balances.
Check whether you have gathered the information needed for a funding conversation.
Organize report concerns and identify which information needs closer review.
Compare avalanche and snowball payoff plans using the same monthly budget.
Build a practical review schedule around your goal and statement closing date.
Compare questions to ask about account types, costs and reporting before applying.
Calculations use the assumptions shown on each page. Credit planning worksheets do not predict a credit score, loan approval or dispute outcome.
