See your financial picture.
Get the tools to help you see an overview of your finances so you can unlock savings, build and maintain good credit and paydown debt quicker.
Image: BCD-6072_Co_LP_Financial Planning_Hero_MSee your finances clearly.
Take the first step by logging in and verifying the information in your credit reports. If you notice activity you don’t recognize, you can dispute errors with TransUnion in just a few taps with our Direct Dispute™ tool.
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Image: BCD-6072_Co_LP_Financial-Planning_Tools_DExplore tools & features.
Take our cutting-edge tools and features for a spin.
Image: CalculatorUse calculators to help you estimate payoff timing for debt, auto loans and mortgages.
Image: Credit-BuildingSee how your score could change in the future with out Credit Score Simulator.
Image: PremiumApply for credit cards more confidently with the Karma Guarantee.*
Image: GrowthEasily track your assets with our Net Worth feature.
Understand your credit factors.
Learn about the 5 main factors that impact your credit: on-time payment history, credit age, credit card utilization rate, derogatory marks and total inquiries. Keeping these factors in good standing can help you qualify for new credit cards and lower rates on loans, which can add up to savings over time.
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Image: BCD-6072_Co_LP_Financial Planning_Cash Flow_DFollow the money.
Connect your accounts to track your monthly transactions and keep a close eye on your spending. Tracking your finances regularly can help you develop budgeting and savings plans for your immediate, short and long-term financial goals.
Image: BCD-6072_Co_LP_Financial Planning_Paydown_DPay down debt.
We use your credit profile to suggest debt paydown strategies that can help you get out of debt quicker, from balance transfer cards to personal loans.
Hear it straight from our members.
Forest – MO
Credit Karma has helped me monitor my credit score and find new credit cards in half the time it would take to scour the internet for endless tools and financial tips. It is efficient and helpful for someone like me who knew very little about finances at the beginning of my financial journey.
Alicia – NY
I didn’t know how to use credit before having the app, I didn’t know what credit cards would be best for me. The app is foolproof and explains every little thing in detail and I have taught myself about credit and how to improve credit use and how to manage my cards within one year of using credit karma. It has been very helpful to me.
Kyle – NY
(…) After discovering Credit Karma and fully understanding the tools it provided, I can safely say I am much better financially. My savings are growing, my debts are reducing (with most gone). I’m no longer in fear of any form of defaulting financially currently.
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A Karma Guarantee that you see on a credit card offer on Credit Karma means that if you are declined by the applicable lending partner for that credit card, you can receive a payment from Credit Karma (“Cards Karma Guarantee”).
It is not a guarantee of approval for any credit card offer. Only the lending partner can make the credit approval. By applying for this credit card offer, you consent to the lending partner sharing its credit decision with Credit Karma in order to fulfill the Cards Karma Guarantee.
To be eligible, you must fully complete an application for this credit card offer (including providing any documents required) while signed in to your Credit Karma account, and be declined.
You will not be eligible for payment if: (1) you received a Cards Karma Guarantee payment in the past 90 days; (2) you do not have a Credit Karma account; or (3) if the lending partner declines or does not process your application because you applied for this same credit card with them in the past 90 days.
If eligible, we will send you an email with steps to redeem the payment as a prepaid card or gift card. You must complete the steps to redeem the payment as a prepaid card or gift card within 90 days of when the email was sent. The value of the payment may be reported on an applicable IRS form.
Sponsored and managed by Credit Karma, LLC, not the lending partner. Not Transferable. Credit Karma is solely responsible for Cards Karma Guarantee fulfillment, and the lending partner is not responsible in any way for the Cards Karma Guarantee. Credit Karma reserves the right to modify, cancel, or limit this promotion at any time.