![A woman using a calculator.](https://aplusfcu.org/wp-content/uploads/guidance/img/calculators/subpage-hero-calculator_how-much-do-you-owe_aug22.jpg)
![](/wp-content/themes/aplusfcu/images/dist/angle_hero-subpage.png)
How Much Do You Owe?
Use this free total debt calculator to establish how much you owe as a starting point for your debt management plan. 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.
Rates & Resources
To keep you from having to do all the math, we’ve provided rates & calculators for all kinds of situations.
![A woman holding a cell phone and a credit card.](https://aplusfcu.org/wp-content/uploads/global/ctas/life-guidance-cta/life-guidance-global-ctas_debt_aug22.jpg)
![](/wp-content/themes/aplusfcu/images/dist/angle_cta-green-right.png)
Debt
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.
![A woman on a paddleboard with a dog next to her.](https://aplusfcu.org/wp-content/uploads/global/ctas/life-guidance-cta/life-guidance-global-ctas_personal-finances_aug22.jpg)
![](/wp-content/themes/aplusfcu/images/dist/angle_cta-green-right.png)
Personal Finances
Financial health is a key part of overall wellness. Count on us to provide the knowledge and tools you need to make sense of your money, better your financial journey, and improve your peace of mind.
Related Articles
Beginner’s Guide To Solar Power
![Couple sits on loveseat outside on their patio under the roof with solar panels](https://aplusfcu.org/wp-content/uploads/blog/img/solar-101-guest-post_sep23_blog.png)
Solar power technology can seem complex. That’s why we’ve put together this beginner’s guide to solar panels.
16 Months Of Financial Tips
![Two people talking, they are in professional clothing.](https://aplusfcu.org/wp-content/uploads/blog/img/planner_blog.jpg)
Use these monthly financial tips to break down your top financial tasks and to-dos and get on the right path to being financially healthy.
Money-Smart Travel: Save Now, Live It Up Later
![Man in pink shirt point and something on a table in front of a woman in a blue sweater](https://aplusfcu.org/wp-content/uploads/blog/img/money-smart-travel-part-i-save-now-live-it-up-later_feb23_blog.png)
Ready to start planning your next vacation? Use these tips to prepare your finances now so you can focus on having fun later.
![A couple sits on the floor looking at blueprints.](https://aplusfcu.org/wp-content/uploads/global/ctas/shared-cta/standard-global-ctas_apply-for-a-personal-loan_aug22.jpg)
![](/wp-content/themes/aplusfcu/images/dist/angle_cta-green-right.png)
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.