Credit Tools – Loan Calculator, Debt Calculator, Credit Scoring, and More

Understanding your credit is key to learning about your credit report and credit score. Here you’ll find the resources you need to get the most out of your credit. Rely on Experian - America’s trusted source for credit reports and scores.

Now you can get a clear look at the information that affects your credit score. Check your free credit report and credit score right now! Simply sign up for a free 30-day credit monitoring trial with Experian Credit Manager to get your free credit report and free credit score.

See how your financial decisions may affect your future financial choices. These calculators are available for educational purposes to simulate outcomes based on what options you decide to take.

Note: These tools are for educational purposes only and are not intended as financial advice.

Outstanding debt

Find out how much you owe and how long it will take to pay it off.

Debt payoff

How long will it take to pay off your debt if you accelerate your payments?

Fixed mortgage

See how much interest you will pay, and your principal balances.

Mortgage qualifier

Can you buy your dream home? Find out just how much you can afford!

Auto loans

How much can you spend on that new car? Find out your monthly payments based on your purchase price.

Auto lease vs. buy

Should you lease your next automobile or finance it? Find out with this calculator!

Taking charge of your credit now is a great investment in your future. If you find credit confusing, you're not alone. But you can rest easier knowing that we are your inside source in the credit industry.

Discover information on the variety of events that can impact your financial life.

Credit Scores
Discover what goes into your credit score! Plus, learn about the factors that drive your credit score up or down. Find out what makes this number your partner in your future credit plans.: Credit Scoring Made Simple; Credit Scoring: The Upside for Consumers; Your Loan Depends on Your Credit Score
Debt
Take a crash course in debt management and the options available to you.: A Blueprint for Rebuilding Your Credit; Your Consumer Right with Debt Collectors
Mortgage
Layout, location, loans…there are so many decisions involved with purchasing a home. Before you make your next decision, read more to prepare for your home purchase.: The Homeowners' Protection Act May Save You Money; Know All Your Mortgage Options; Managing Your Credit Report Wisely
Auto
Shopping for a new car can be an exciting time. Learn more on how you can get into the driver’s seat.: Comparison Shop for Loans with Care; What Would Cosigning Mean for You?