Free educational resource: No paywall, no account required, and no promises to raise your credit score.
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Calculators for planning—not predictions.

Results are estimates based only on the numbers you enter. They are not credit-score predictions or financial advice.

Private by design

Most tools run entirely in your browser. Nothing is sent to Potter Service.

  • No account
  • No paywall
  • No sensitive login details

Credit utilization

Add your revolving limits and balances.

Enter your totals.

Monthly budget

Enter monthly amounts.

Debt payoff estimate

Enter debt details.

Debt-to-income ratio

Enter monthly totals.

Emergency fund target

Choose your target.

Savings goal

Enter your goal.