Free Debt Relief Calculators
Understanding your options is the first step toward becoming debt-free. Our free calculator suite helps you estimate program costs, compare payoff strategies, and identify which debt relief path may be right for your situation.
James Russell— Senior Debt Relief SpecialistAll calculators are educational tools. Results are estimates based on industry averages and should not be considered financial advice.
Every situation is different, and that's exactly why we built more than one calculator. Some people just need to see where they stand today — that's what the Understand Your Situation tools are for. Others already know they're looking at debt relief and want to see what settlement, consolidation, or a debt management plan would actually cost before they pick one — that's Compare Your Options. And if you're dealing with a collector, a garnishment, or wondering about bankruptcy, there are tools built specifically for that too. You don't need to use every calculator on this page. Start with whichever one matches the question you actually have right now, and use the results as a starting point for your next conversation — not a final answer.
Understand Your Situation
Start here to see where you stand before choosing a path.
Free Budget Calculator
See a simple income-minus-expenses breakdown and what's left over for debt payoff or savings each month.
Calculate My Monthly Budget →
Free Debt-to-Income Ratio Calculator
Calculate your DTI ratio and learn how lenders view your financial health. Get actionable tips to improve your score.
Calculate My DTI Ratio →
Free Debt Relief Qualification Estimator
Answer a few questions to estimate whether debt settlement, consolidation, credit counseling, or bankruptcy may be right for you.
Check My Debt Relief Options →
Compare Your Options
See what different debt relief paths could actually cost and save.
Free Debt Relief Savings Calculator
Compare 36, 48, and 60 month program costs. See estimated monthly payments and potential savings vs. your current payments.
Calculate My Debt Settlement Savings →
Free Debt Consolidation Loan Calculator
Compare your current payments to a consolidation loan. See your potential monthly payment, total interest, and payoff timeline.
Calculate My Consolidation Loan →
Free Debt Settlement Cost Estimator
See estimated repayment ranges for debt settlement based on your enrolled balance — with plain-language explanations of how the process works.
Estimate My Settlement Cost →
Free Debt Relief Offer Comparison Calculator
Compare up to three debt relief program offers side by side — monthly payments, program length, and fees — to see total estimated costs.
Compare My Debt Relief Offers →
Free Credit Counseling Budget Calculator
Calculate your budget surplus and estimate an affordable Debt Management Plan (DMP) payment through nonprofit credit counseling.
Estimate My DMP Payment →
Free IRS Offer in Compromise Estimator
See whether you might qualify to settle IRS tax debt for less than you owe, and get a rough estimate of what the IRS could accept.
Estimate My IRS Offer →
Free Student Loan Consolidation Calculator
See how combining multiple student loans into one could change your monthly payment and total interest.
Calculate My Student Loan Consolidation →
Payoff Planning
Ready to tackle debt on your own? Map out your payoff plan.
Free Credit Card Payoff Calculator
See how fast you can pay off your credit cards with the snowball or avalanche method.
Calculate My Credit Card Payoff →
Free DIY Debt Payoff Calculator
See how extra monthly payments accelerate your debt-free date. Compare with and without extra payments across snowball and avalanche methods.
Plan My DIY Payoff →
Free Minimum Payment Cost Calculator
Discover how much interest you may pay by making only minimum payments — and how long it could really take to become debt-free.
See My Minimum Payment Cost →
Legal & Collections
Being contacted by a collector or worried about garnishment? Know your position first.
Free Wage Garnishment Calculator
Estimate potential wage garnishment based on your income, pay frequency, and state — plus see your specific state's rule.
Estimate My Wage Garnishment →
Free Statute of Limitations Lookup
Look up the typical statute of limitations for credit card and medical debt in your state before deciding how to respond.
Look Up My State's Statute →
Bankruptcy
Understand whether bankruptcy might be worth discussing with an attorney.
Credit Health
See how your choices affect your credit — now and after debt relief.
Homeownership
Thinking about buying or already have a mortgage? See where that fits with your other debt.
How to Use These Calculators
Understand Your Situation
Start with the Budget, DTI, or Debt Relief Qualification calculators to see exactly where you stand today — no guessing.
Compare Your Options
Use the Savings, Consolidation, Settlement, and Offer in Compromise calculators to see what each path could actually cost you, side by side.
Plan Your Next Step
Whether that's a payoff plan you run yourself, checking your legal standing, or getting matched with a provider — you'll know which direction fits before you commit to anything.
Ready for personalized options?
Our free assessment matches you with top-rated providers based on your debt, state, and goals.
Frequently Asked Questions
Clear answers to the financial questions people ask most before making important money decisions.
Will using these calculators affect my credit score?⌄
No. None of these tools pull your credit report or run a credit check. Everything is based only on the numbers you enter.
Is my information saved or shared with anyone?⌄
No. These calculators run right in your browser to give you an estimate — we don't store what you type in or send it to debt relief companies. If you choose to take our free assessment separately, that's a different step, and we'll always be upfront about what happens with that information.
How accurate are the results?⌄
These are estimates based on typical program terms and industry averages, not a quote from any specific company. Your actual numbers will depend on your creditors, your state, and the provider you work with. Think of these tools as a starting point for the conversation, not a final answer.
Do I need to give my email or phone number to see my results?⌄
No. Every calculator on this page shows your results immediately, with nothing required to unlock them.
What should I do after I get my results?⌄
That depends on what you're seeing. If a calculator shows a path that looks worth exploring further, our guides walk through how each option actually works, or you can take our free assessment to get matched with providers that fit your specific situation. There's no obligation either way.