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Credit & Debt Calculators

Evaluating your personal finances can be intimidating. Use our calculators to easily compare loans, determine how much debt you have, and explore ways to pay down that debt.

Loan Comparison

Use this free loan comparison calculator to sort through the monthly payments, fees, and other costs associated with getting a new loan.

Debt Consolidation

Tackling debt? Fill in your loan amounts, credit card balances, and other outstanding debt and see what your monthly payment could be after consolidating.

How Much Do You Owe?

Enter all of your credit cards and outstanding installment loan balances to get a clear picture of your total debt and how long it will take to pay it all off.

Debt Roll-Down

The roll-down method is one technique for paying off your credit cards and other debt. This calculator will help you develop a plan to focus your efforts on higher-interest debt and save.

Debt Snowball

This calculator applies a simple principle to paying off your debt: when your smallest balance is paid off, add its monthly payment to your next smallest debt’s payment.

Debt & Student Loan Consolidation

This calculator applies two simple principles to paying off your debt: consolidate your student loans, and use the monthly savings to pay off other outstanding debt.

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Fund Your Plans

Apply For A Personal Loan

Enjoy more freedom with your money. Use an A+ Personal Loan for your personal expenses at a great low rate.

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Life Guidance for:

(Re)Building Credit

Credit is factored into many decisions, including loan approvals, housing applications, insurance rates, and employment opportunities. To obtain the most favorable outcomes, it’s important to understand the basics of credit scores and credit reports.

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Life Guidance for:


To get out of debt, you need to be intentional with your money. Reach your goals faster with our tools for evaluating your debt load, developing a repayment strategy, and staying committed.

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Join The A+FCU Family

Joining is easy and comes not only with a wide variety of money-saving products tailored to fit your needs, but also exclusive member-only benefits.

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