Free Financial Tools & Calculators
Plan your payoff, estimate settlement savings, and see the honest math behind your options — free, private, and with no sign-up. Numbers first, decisions second.
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Financial Health Score
Your whole financial picture in one 0–100 score — disclosed weights, a personalized action plan, and a what-if simulator that shows which lever moves your number most.
Open calculatorConsumer Rights & Debt Options Wizard
Know your rights with debt collectors, understand debt validation, and see every option worth exploring — a guided educational wizard with a printable summary.
Open calculatorDebt Freedom Planner
Six payoff strategies — minimums, snowball, avalanche, consolidation, settlement, hybrid — priced side by side with a goal-based recommendation and milestone timeline.
Open calculatorBudget Planner
Map every dollar, get a Budget Health Score with disclosed factors, compare against 50/30/20, and simulate improvements instantly.
Open calculatorDebt Solutions Comparison
Minimum payments vs. settlement vs. consolidation vs. DMP — every path's payment, timeline, cost, and credit impact in one honest table.
Open calculatorDebt Payoff Calculator
Enter unlimited debts and compare the Snowball and Avalanche methods side by side — debt-free date, total interest, and live charts.
Open calculatorDebt-to-Income (DTI) Calculator
Front-end and back-end DTI computed the way lenders do — with qualification bands and the exact dollars of debt to eliminate.
Open calculatorPersonal Loan Calculator
A realistic APR range for your credit profile, your payment, and your DTI before and after the loan — plus how it compares with settlement.
Open calculatorMortgage Refinance Calculator
New payment, break-even on closing costs, true lifetime cost, and your DTI before and after — including when staying put wins.
Open calculatorDebt Settlement Calculator
Estimate what your debt could realistically settle for, program costs, and your savings versus minimum payments.
Open calculatorWhy we build these tools
Most debt decisions get made under stress, without clear numbers. These calculators exist to fix that: see your real payoff timeline, your real interest cost, and the real difference between strategies — before you talk to anyone. Every tool documents its assumptions, uses standard financial math, and is reviewed under our editorial standards. And when the numbers say your situation needs more than a strategy, a free specialist consultation is one click away — never a requirement.
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