We developed this proprietary algorithm to help you have a better understanding of where you are currently with your financials.

Cost of Debt

Cost of debt is the interest you pay on your borrowings.

Math

Cost of Debt Per Day = Balance * (Interest Rate / 365 Days)

% = Income Per Month / Cost of Debt Per Month

Debt-To-Limit

The debt-to-limit ratio is the ratio of your total credit card balances versus total credit card limits, expressed as a percentage.

Math

Credit Card Balances / Total Credit Card Limits

Debt-To-Limit

The debt-to-income (DTI) ratio is a personal finance measure that compares an individualâ€™s debt payment to his or her overall income.

Math

Credit Card Balances / Total Credit Card Limits

Debt-To-Income

The debt-to-income (DTI) ratio is a personal finance measure that compares an individualâ€™s debt payment to his or her overall income.

Math

Monthly Debt / Monthly Income

Credit Score

A numerical expression based on a level of a person's credit files, to represent the creditworthiness of an individual.

The number shown is the middle scrore. Out of the three major credit scores that represent your personal credit history the score that lenders commonly use is the one in the middle.