Credit Tools

Free calculators to help you understand your credit position before you apply.

Check if your debt-to-income ratio passes the bank's lending threshold. Most banks reject applications above 70% DSR.

Walk through a sample CCRIS report section by section. Understand what lenders see when they pull your credit record.

See exactly how much you'd save by moving your credit card balance to a lower-rate offer. Compare total interest paid.

See how your credit card balances affect your score. Bureaus flag utilisation above 30% — check where you stand across all your cards.

Estimate your personal loan eligibility based on income, debts, and employment type. No credit check — just a realistic picture.

See when you'll be debt-free and how much interest you'll pay. Compare minimum payments vs extra payments.

Simulate how different actions affect your CTOS score. Pay off a card, miss a payment, take a new loan — see the estimated impact.