The first calculator on this page is the Credit Card Repayment calculator. The name is pretty self-explanatory. If you have a credit card you need to pay off, this calculator will help you figure out how to do that in a specific timeframe. The reason it asks for your email address is so the results will be emailed to you. This website doesn’t save anything entered into this form, so we never even get your email or have a place to look it up. Which means we can’t sell your email or put you on an unwanted mailing list.
The Debt to Income Ratio calculator (DTI), if you’re not familiar with it, basically evaluates the health of your finances. The ratio it calculates is the same ratio lenders use to decide if you have the cash flow to repay the money you plan to borrow from them. The calculator here assigns a rating to your DTI; this rating is just an estimate. DTI limits vary for different lenders and loan packages, so the rating assigned here may not apply to the loan you’re contemplating.