Tools
Run the numbers yourself
Enter your debts once in any tool; the others reuse them. Nothing leaves your browser.
Debt Check
List your debts once. See what they really cost and which options fit. Every other tool reuses what you enter.
Does a loan save me?
A consolidation loan against your current plan, fees included.
State debt rulesComing soon
Time limits to sue, wage garnishment limits and settlement rules by state.
More calculators by topic
Credit card & unsecured debt
Credit card interest calculator
What your APR costs this billing cycle and each month.
Credit utilization calculator
How much of your limits you use, overall and per card.
Hardship letter builder
Ask your card company for a lower rate or payment, in writing.
Settlement offer letter
Offer to settle a balance, with the agreement in writing first.
Insolvency worksheet
How much canceled debt may be excluded from income (IRS Form 982).
Debt payoff spreadsheet
Your payoff plan month by month, as a file for Google Sheets or Excel.
Debt consolidation
Personal loan calculator
Payment, total cost and the APR once the fee is counted.
Balance transfer calculator
The fee, what's left when the promo ends, and whether it beats staying put.
401(k) loan vs. consolidation loan
Borrow from retirement, take a loan or withdraw: what each costs.
