Credit Card and Debt Management Calculators

YOUNG MONEY calculators to help calculate your net worth, do spending plan and home budget planning and make life insurance decisions.

• Credit Card Optimizer

The Credit Card Optimizer helps you determine the best distribution of your credit card debt. By entering your credit card balances, rates and credit limits this calculator determines which balance transfers will produce the greatest savings.

• Credit Card Payoff

Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals. Since the calculator can take annual fees and additional monthly charges into account, it can help you determine the best plan for paying down anything from a small business credit card from American Express to a personal credit card from Capital One.

• Debt Management Calculator

Use this calculator to find out how much you owe. This can be used as a good starting point for your debt management plan. Enter all of your credit cards and outstanding installment loans balances. Find out how much you owe and how long it will take to pay it all off.

• Personal Debt Consolidation

Should you consolidate your debt? This calculator is designed to help determine whether debt consolidation is right for you. Enter your credit cards, auto loans and other installment loans balances by clicking on the "Enter Data" button for each category. Then change the consolidated loan amount, term or rate to create a loan that will work within your budget. Click the "View Report" button for detailed results