Debt Restructuring and Avoiding Debt
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The credit card calculator assumes you make the minimum monthly payment every month until the balance is paid off and shows the estimated total amount paid on the card over the life of the term.

  AMOUNT OWED CURRENT
ESTIMATED
INTEREST
RATE %
CURRENT ESTIMATED
TOTAL
PAYMENTS
REVISED
ESTIMATED
INTEREST
RATE %
REVISED
ESTIMATED
TOTAL PAYMENTS
  TOTAL SAVINGS
UNSECURED DEBT            
See how your payments and rates change when your credit score increases.
Current
Credit Score
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Enhanced
Credit Score
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