Tools & Calculators Overview
Use the Credit Karma tools to learn more about how activities will affect your credit score, how credit score trend across ages, or determine how much home you can afford and your payments.
Select from the following Options
Credit Trends
Trends and differences in credit scores can be a very useful way to learn about credit and credit scores and sometimes it can just be a fun statistic too.
Rate Trends
Historical interest rate can tell you when to buy a home or a car because the cost of borrowing is low or it can tell you when to buy a CD or save because returns are high.
Home Affordability Calculator
The Home Affordability Calculator easily estimates how much home you can afford along with estimated monthly payments.
Simple Loan Calculator
The Simple Loan Calculator helps you determine estimated payments for different loan amounts, interest rates and terms.
Debt Repayment Calculator
The Debt Repayment Calculator will show you how long it will take to pay off your credit card debt.
Amortization Calculator
Our amortization calculator will amortize your debt and display your payment breakdown over the life of the loan.
RELATED NEWS
Read the latest articles on credit news, personal finance, and ways to manage your credit.
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Each week, we receive dozens of comments on applying for loans and credit card. The most common question involves why a member was declined even though their credit score appeared high enough for approval based on the credit scores of other members.... More
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- October 28, 2009
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The influence of credit score on credit limit works on a feedback loop: credit score influences credit limit, and a consumers' total credit available, which is the sum of their credit limits, can impact a credit score up or down.... More
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- July 31, 2009
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A secured credit card can be a significant stepping stone in managing your credit health. There are many secured cards out there, so shop wisely, read the fine print, and - as always - use the card responsibly and pay on-time.... More
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- July 20, 2009
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The bottom line is that just because you have bad credit, it doesn't mean you should have to pay exorbitant fees. Be informed and make sure you compare products before you make your next financial purchase.... More
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- March 14, 2009
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Every credit score improvement article suggests that consumers should not have a high credit card utilization rate. (Defined as: total credit card balances / total credit card limits). Often the recommendation is the lower the credit card utilization rate... More
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- January 02, 2009
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