Debt Relief Offer Comparison Calculator
Before choosing a program, compare what you'll actually pay. Enter details from up to three providers to see your total estimated costs side by side.
Compare Offers Before Making Your Decision
Debt relief programs vary significantly by provider and by individual financial circumstances. Before choosing a program, it's worth comparing important factors such as your estimated monthly program payment, estimated program length, fees disclosed by the provider, and your estimated total repayment over the life of the program.
Understanding the complete picture helps you make a more informed decision — and may save you money.
How this works
Enter your total enrolled debt and what you currently pay each month. Then enter the program details from each provider you're considering. The calculator shows your monthly savings, total program cost, and how much less you'd pay compared to your enrolled debt — all without paying interest on those balances.
Your Current Situation
These figures apply to all providers you compare below.
The total debt amount you plan to enroll in a program
Total minimum payments you make today on these accounts
Program Offers to Compare
Enter the monthly payment and program length each provider quoted you. The total program cost (monthly × months) reflects your full payment — including all fees.
Provider 1
Provider 2
What Should You Compare?
Debt relief programs vary significantly. Beyond the numbers, consider these factors when evaluating offers.
Monthly Payment You Can Sustain
The program only works if you can consistently make deposits for the full term. A lower monthly payment is easier to maintain — but may mean a longer program.
Total Program Cost vs. Enrolled Debt
The total you pay into the program (monthly × months) should be meaningfully less than your enrolled debt. This gap represents the debt reduction you're achieving.
Program Duration
Shorter programs resolve your debt faster and reduce uncertainty. Longer programs may feel more affordable month to month but carry more risk over time.
Interest You Stop Paying
Once enrolled, you stop paying interest on these accounts. The interest you avoid over the program period can be significant — especially on high-rate credit cards.
Company Reputation & Accreditations
Review BBB ratings, Trustpilot reviews, and look for industry credentials like ACDR membership and IAPDA certification before choosing a provider.
State Availability & Attorney Support
Some states require programs to be delivered through a licensed attorney. Understand the model being offered and who will be negotiating on your behalf.
Frequently Asked Questions
Why does monthly payment × months equal total cost including fees?
In a debt settlement program, your monthly deposit goes into a dedicated savings account. Settlements and fees are both paid from that account. So your total deposits over the program represent your complete out-of-pocket cost — including any fees the company charges.
How do I get these figures to enter into the calculator?
Call or chat with each debt relief provider for a free consultation. Ask them for their estimated monthly program payment and program length for your specific debt amount. These are the two key figures you need.
What does 'debt reduction' mean in the results?
It's the difference between your enrolled debt and your total program cost. For example, if you enroll $25,000 and your total program cost is $18,000, you reduced your debt by $7,000 — and you stopped paying interest on that debt during the program.
What does 'total payment savings' mean?
It shows how much less you'd pay in total compared to continuing your current monthly payments for the same duration as the program. It's a rough measure of cash flow relief over the program period.
Should I choose the provider with the highest savings number?
Not necessarily. Total savings are one factor, but also consider whether you can realistically sustain the monthly payment, the company's reputation, accreditations, and how clearly they explain the program to you.
Ready to Research Providers?
Read our independent reviews before reaching out to any company.
Disclaimer: ReliefGuardian is an independent educational website and does not provide debt relief services directly. Program availability, fees, timelines, qualification requirements, and results vary by provider and by individual financial circumstances. All calculations in this tool are estimates based on figures you enter and do not represent guaranteed outcomes. Always review the provider's written terms and disclosures before enrolling in any program.