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Credit Calculators

Figure out your balance payoff date, weigh the benefits of consolidating high-interest debt, or create a plan to accelerate your debt payment with the use of our FREE credit calculators.

Credit Calculators

Credit Utilization Ratio

Your credit utilization rate, sometimes called your credit utilization ratio, is the amount of revolving credit you’re currently using divided by the total amount of revolving credit you have available.

Debt-to-Income Ratio Calculator

Debt-to-income (DTI) ratio compares how much you earn to your total monthly debt payments. Crunch the numbers with our DTI ratio calculator and find out if you’re ready to apply for a home loan.

Pay Off Calculator

We’ll help you determine how many months it will take to free yourself from debt. Just input your current card balance along with the interest rate and your monthly payments.

Consolidate Credit Card

Debt consolidation rolls your existing debts into one, ideally with a lower interest rate and shorter payoff time. This is often accomplished with a debt consolidation loan, but there are other ways to consolidate debt depending on your specific situation.

Debt Income Ratio Calculator

Uptrend Academy

We have different courses to help you be on the right track to achieve Financial Independence and Success that start from the right knowledge on how to take good care of your credit.

Debt Income Ratio Calculator

Uptrend Store

We have different letter templates for your disputing needs that you can purchase individually or in a package together with the EBooks that we have for you.

Ready to get started?