Credit Karma's Financial Tools will show you how certain actions affect your credit, how credit scores compare across the country, how much home you can afford, and much more. Take a look around!
The Debt Repayment Calculator will show you how long it will take to pay off your credit card debt. The Simple Loan Calculator will determine your estimated payments for different loan amounts, interest rates and terms.
Our amortization calculator will amortize your debt and display your payment breakdown of interest paid, principal paid and loan balance over the life of the loan. See how certain financial actions will affect your credit score over time. Read More. Finding the best credit card for you can be a difficult task.
At Credit Karma, we compare credit cards across dozens of credit card companies to give you the most up-to-date reviews and recommendations. How it works. Note that running a simulation doesn't impact your actual score, so you can try out various actions to test their potential effects. Your results will be estimates — not predictions.
Various factors — the length of your credit history, the different types of credit accounts you have, your history of on-time payments and your credit limits — can influence how a new transaction might affect your scores.
For example, closing a credit card may damage the scores of a person who has one or two credit accounts, but not the scores of someone who has several accounts. A credit score simulator reflects what happens in real life: Generally, the higher your scores, the more points you may lose when bad things happen and the longer it can take the scores to recover.
See how your score may change. Use NerdWallet's simulator to learn how money moves could affect your credit. This calculator determines the average percentage of credit available on your lines of credit, as weighted by the balance on each line. Trying to build a strong credit score?
If possible, try to leave at least 70 percent of your credit available on each card. Debt repayment programs and information. Consolidation without a loan. Learn about the nonprofit debt relief option that can help save time and money on your credit card debts.
Confidential advice from NFCC-certified counselors. This practice can also help you spot other areas of your credit history that you can address to increase your credit score. Learn what it takes to achieve a good credit score. Learn more. Editorial Policy: The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding any legal issues.
Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy.
Opinions expressed here are author's alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities. All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners. Some of the offers on this page may not be available through our website.
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