Enter a balance, an interest rate and a monthly payment. It returns the total interest paid before the balance clears, which is usually the figure that surprises people most.
It runs entirely in your browser. Nothing you enter is sent anywhere, nothing is stored, and it does not ask who you are. It is a calculator rather than advice, and a certified counselor can go through your own situation with you free of charge.
Prefer to talk to someone? Call 800-857-2808. Credit counseling is free and there is nothing to buy.