Question 1

Are these calculators really free?

Accepted Answer

Yes—all calculators are free to use, no signup required. We may show relevant ads to cover hosting costs, but the calculators themselves are always free.

Question 2

How accurate are the calculations?

Accepted Answer

We use daily compound interest (the exact method credit card issuers use). Results are accurate to within $1-2 per month, accounting for day-count differences between issuers.

Question 3

Do I need to create an account?

Accepted Answer

No account, no signup. All calculations run in your browser. You can save results via the "Export CSV" or "Print" buttons.

Question 4

Can I use these on my phone?

Accepted Answer

Yes—our site is fully responsive. All calculators work on mobile devices. The charts resize automatically for smaller screens.

Question 5

Which calculator should I start with?

Accepted Answer

Start with the Core Payoff Calculator —it's the most comprehensive. If you're choosing between Avalanche and Snowball, use the Avalanche vs Snowball Calculator .

Question 6

Is my financial data private?

Accepted Answer

Absolutely. All calculations happen in your browser's JavaScript engine. No data is sent to any server. We don't use analytics that identify you. The only storage is your browser's localStorange (to remember your inputs if you return).

Question 7

Do you use cookies?

Accepted Answer

We use only essential localStorange to save your calculator inputs between visits. We don't use tracking cookies, and we don't share any data with third parties. See our Privacy Policy for details.

Question 8

What's the best debt payoff strategy?

Accepted Answer

Mathematically, Debt Avalanche (highest APR first) always saves the most money. But if you need psychological momentum, Debt Snowball (smallest balance first) can work better. Use our comparison calculator to see the difference for your specific situation.

Question 9

Should I use my savings to pay off credit card debt?

Accepted Answer

It depends on your emergency fund. If you have less than $1,000 in emergency savings, keep that cash and focus on increasing your monthly payment. If you have 3+ months of expenses saved, using the excess to pay off high-APR debt (22%+) is usually smarter than keeping it in a savings account (4-5% APY).

Question 10

Is debt consolidation worth it?

Accepted Answer

It can be—if you qualify for a loan at lower APR than your current cards, and if you don't run up the credit cards again after consolidating. Use our Debt Consolidation Calculator to check.

Question 11

The calculator isn't working / I see an error.

Accepted Answer

Try refreshing the page. If the problem persists, email us at 18999737@qq.com with your browser name and version. We'll fix it promptly.

Question 12

Can I save or print my results?

Accepted Answer

Yes—after calculating, use the "Export CSV" button to download a month-by-month amortization schedule, or "Print" to save a PDF. Your inputs are also auto-saved in your browser for your next visit.

Question 13

Why don't my results match my bank's numbers exactly?

Accepted Answer

Banks may use slightly different day-count conventions (30-day vs actual days in cycle) or round differently. Our results are typically within $1-3 per month of your bank's actual numbers. For exact planning, use our numbers as a guide and verify with your bank's statements.