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Smart Invest Life
Updated for 2026

Debt, budgeting and life insurance

Loan, Credit Card, Budget and Life Insurance Calculators

Work out how fast you can pay off student loans, personal loans, auto loans and credit cards, and what each extra payment saves. Also check your debt-to-income ratio, build a 50/30/20 budget and estimate how much life insurance you need.

All Loans, Credit & Insurance Calculators

6 Calculators

Student Loan Calculator

Calculate your monthly student loan payment and total interest, and see how many months and dollars an extra monthly payment saves.

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Personal Loan Calculator

Estimate the monthly payment, total interest, cash you receive after fees and true APR on a personal or auto loan with an origination fee.

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DTI Ratio Calculator

Work out your front-end and back-end debt-to-income ratio and see how it compares with conventional (28/36), FHA (31/43) and Qualified Mortgage limits.

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Credit Card Payoff

See how many months it takes to pay off your card at a given payment and APR, and how much interest it costs. Raise the payment to compare.

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DIME Method

Life Insurance Calculator

Estimate how much life insurance you need with the DIME method: debts, income replacement, mortgage and education, minus savings and existing coverage.

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50/30/20 Budget Calculator

Enter your monthly take-home pay and see how the 50/30/20 rule splits it into needs, wants and savings or debt payoff.

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