Tools

See your credit utilization, how much to pay down to hit 30% or 10%, and what balance fits a given limit. Free, for ITIN credit builders.

Enter the date your first card or loan opened and see when you can get a FICO Score, when secured cards often graduate, and when your first inquiry stops counting.

Pick a late payment, collection, inquiry or bankruptcy and its date to see when it should leave your credit report and stop counting.

Enter your statement closing date and balance to see when to pay so a low balance gets reported, and the earliest your due date can be.

Enter your balance, APR and monthly payment to see how many months it takes to pay off your credit card, the total interest, and what it takes to finish in 12, 24 or 36 months.

See how much interest your credit card charges per day and per billing cycle from your balance and APR, using the daily periodic rate many issuers use.

See how many years paying only the credit card minimum takes and how much interest it costs, compared with keeping your first payment fixed.

Add your monthly debt payments and gross income to get your debt-to-income ratio, and see how it compares with common lender limits, including ITIN mortgages.

List your debts and your monthly budget to compare the snowball method (smallest balance first) with the avalanche method (highest interest first).

Compare keeping your card balance with moving it to a 0% intro APR card: transfer fee, interest saved, and how much is left when the promotion ends.

Check whether you meet the IRS substantial presence test: current-year days plus one-third of last year plus one-sixth of the year before.

Find your US tax status with the green card test and the substantial presence test, and which return the IRS points you to: Form 1040 or 1040-NR.

Pick your ID, tax number and address situation to see what a US bank will ask for, and whether you can likely apply online or need a branch.

List the cards you've opened and see your 5/24 count, which cards still count, and the date you drop back under Chase's unofficial limit.

Enter the points and the cash price of a booking to see cents per point, and compare it with the cash-out value for Amex, Chase and Capital One.

List your recent card approvals and see which issuer rules you'd hit: Amex 1/5 and 2/90, Chase 2/30, Citi 1/8 and 2/65, Capital One 1/6, Bank of America 2/3/4.

Every airline and hotel partner for Chase Ultimate Rewards, Amex Membership Rewards, Capital One miles and Citi ThankYou points, with transfer ratios and how many miles you'd get.

Compare a rewards card with an annual fee against a no-fee cash back card: your spending, earn rate, point value and credits, and the spend where the fee pays off.