💳 Smart Payment Calculator
Add your cards → Enter your budget → Get your optimized payment plan
Same $500 → Smarter distribution = +25 point boost
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Enter Account Details
Manually enter balances, limits, and minimum payments to explore scenarios
💡 Manual entry: This is exploratory only. For accurate data, connect your credit report.
Account 1
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Account 2
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🚀 Boost Your Score by 40+ Points!
Add your rent payments to credit - no new card needed
Current Score
465
Potential Score
505
+40
24 months back reporting - instant credit history boost
No hard inquiry - won't hurt your score
Faster than credit cards - see results in 30-45 days
SmartCredit Build - $29.95/moSmartCredit Protect - $10.95/mo
Includes credit monitoring + NO setup fees