Your money over time

What are your habits costing you?

Put a dollar amount on higher interest, avoidable fees, and spending you want to change.

Example scenario

Credit score simulator

Explore a current score and a target score, then see how different borrowing rates change the dollar calculation.

Use my APRs Use market data by score

01 Borrowing costs

Use one debt or a combined balance with an estimated average APR. No debt? Enter $0.

Debt balance ($)Credit cards or personal debt. No housing.Repayment period (years)Same payoff period in both scenarios.Current APR (%)Use the rate on your statement.Comparison APR (%)Your hypothetical lower rate, not an offer.

02 Spending & fees

Count only amounts you could realistically avoid. Keep these separate from debt payments and interest.

Spending you would cut ($/month)For example, unused subscriptions or impulse buys.Avoidable fees ($/month)Average late, overdraft or account fees. Exclude interest.

Your answers stay in this calculator. No credit check or contact details needed.

Example estimated avoidable cost over 5 years

$15,718

$262 per month on average across this period

Explore your timeline 5 years

1 year10 years

Extra borrowing interest: $2,218
Spending you would cut: $12,000
Avoidable fees: $1,500

Modeled borrowing costs stop when the debt is paid off. Spending and fees continue for the time you select.

See the math and assumptions

We compare two fixed monthly repayment schedules for the same balance and repayment period, using APR ÷ 12 as the monthly interest rate. This is an approximation for credit cards, which often calculate interest daily. No new borrowing, missed payments, changing rates or refinancing fees are included.

Modeled debt payment: $408/month at your current APR versus $347/month at your comparison APR. Over the selected period, current interest is $4,697 versus $2,480. The total adds only the difference in interest, spending you choose to cut, and fees. Principal repayment is not a cost saving. Monthly average means total divided by the selected number of months, not your next bill.

A credit score alone cannot tell us your rate. In manual mode, the comparison rate is your assumption, and better credit does not guarantee approval or a lower rate. These are scenario estimates, not guaranteed savings or a forecast. No investment returns or inflation are included. In score mode, score bands select historical personal-loan offer averages, not predicted rates. APR can include origination fees; treating APR as a monthly interest rate approximates borrowing cost and is not an exact contractual payment or interest schedule. Do not add origination fees again under avoidable fees. These comparisons do not prove that changing a score alone causes the full rate difference. Both repayment scenarios start today; there is no waiting period or cost to obtain a new rate modeled.

Turn the numbers into a plan.

Talk with Davis Business Consulting about credit habits, spending, and your next steps.

Ask about your next step