Do you have a good sense of exactly how you spend your money each month? Do you truly understand how credit card interest rates affect your ability to pay off the debts you incur?

Use our financial analysis tools to see how you spend your money each month and how interest rates affect your ability to pay down your debts.

Use the Budget Calculator to understand your monthly spending habits.

The Time and Interest Calculator will help you work out the effect that your interest rate has on your ability to pay off your credit card balance.