Free credit tools
No signup, no bank login, nothing stored — quick answers to the questions your card statement won't give you straight.
Credit Utilization Calculator
See your utilization percentage, which scoring band you land in, and exactly how much to pay down.
Credit Card Payoff Calculator
How long until the balance hits zero at your current payment — and the total interest it will cost.
Credit Card Interest Cost Calculator
What carrying a balance actually costs you per month and per year.
Want this tracked automatically — every card, every statement cycle, with alerts before it matters?
Explore Credit Hub — free, no signupRuns in your browser. No bank login required.
Disclaimer: these calculators are informational estimates only and are not financial, legal, tax, or credit-repair advice. Results are not guarantees of any credit or financial outcome. LotusBloom LLC is not responsible for decisions made based on these tools — consult a licensed professional. Nothing you enter here is transmitted or stored.