Simple, honest calculators that give you a clear answer — no signup, no credit pull. In English and Spanish.
See how much of your available credit you're using — per card and overall — and how much to pay down to reach a healthier number.
Open calculator →See how long it takes to pay off a card, how much interest you'll pay, and how much faster you'd finish by paying a little extra.
Open calculator →See your DTI ratio, what mortgage lenders look for, and how much to lower debt or raise income to qualify.
Open calculator →Track what to get in order before buying a first home — credit, debt, income, and documents. Your progress saves.
Open checklist →Compare both debt payoff strategies across your balances — see which is faster and which saves the most interest.
Open calculator →See how long to reach a goal — a home down payment, an emergency fund — and how much to save each month.
Open planner →More tools on the way — debt-to-income, a credit-readiness checklist, and a dispute-letter helper.
Subefy shows your credit across all three bureaus with a plan in your language. Free to start, no credit check to join.
See my credit, free →Subefy is a financial education and credit-building platform — not a credit repair organization promising results, a lender, or a credit bureau. Tools are for general information and are not financial, legal, or tax advice.