Calculators · free forever
Run the numbers before the lender does.
Nine tools, no account, no email, no personal data. Each uses the same open, rule-based method as the full BuffYourCredit plan.
01 · SCOREMost usedCredit utilization ratioAdd your cards and limits. See your overall and per-card ratio, and the balance that gets each one under 30% and 10%.Open calculator →02 · SCOREPayment impact estimatorEstimate how a 30, 60 or 90-day late payment could affect a score like yours, and how long it stays on your report.03 · SCOREScore band estimatorAnswer five questions and get an estimated score band, with the math behind each factor.04 · SCORETime to 700Pick a target score and see a conservative timeline, plus the quick wins that could shorten it.05 · DEBTDebt payoff plannerCompare the snowball and avalanche methods side by side: payoff date, total interest and the order debts disappear.06 · DEBTCredit card payoffSee how many months a balance takes at your monthly payment, or what you’d need to pay to be done by a date.07 · BORROWINGMortgage readinessCheck your score, debt-to-income and down payment together against common Conventional, FHA and VA guidelines.08 · BORROWINGDebt-to-income ratioCalculate your DTI the way lenders do, and see where it falls.09 · BORROWINGAuto loan readinessSee which lending tier your score likely falls in and what a loan would cost at the APR you’re quoted.