Tools
Debt relief tools & calculators
Free estimators that run entirely in your browser. We never see or store the numbers you enter — they're for your eyes only.
Tools
- Which debt relief option is right for me? — Answer a few questions, get a routed recommendation — client-side, no data collected
- Could you qualify for IRS tax relief? — Routes your facts to the right IRS path (payment plan, CNC, Offer in Compromise) — free options first, client-side, no data collected
- Student loan repayment estimator — Standard vs income-driven payment estimate + private-loan refinancing — federal options first, client-side, no data collected
- Debt relief savings calculator — Client-side, no data collected
- Debt snowball vs avalanche calculator — Compare two payoff strategies — client-side, no data collected
- Minimum payment calculator — How many years — and how much interest — does paying only the minimum really cost? Compare against freezing your payment — client-side, no data collected
- Debt consolidation calculator — Would one loan really cost less than keeping your debts? Compare at the same monthly payment — client-side, no data collected
- Debt-to-income ratio calculator — The number lenders check — see your back-end & front-end DTI against the 28/36 and 43% benchmarks, with an honest next step — client-side, no data collected
- Balance transfer calculator — Will moving to a 0% intro APR card actually save money once the transfer fee and revert APR are counted? — client-side, no data collected
- Wage garnishment calculator — How much a creditor can take from your paycheck — client-side, no data collected
- Statute of limitations checker — Is your debt too old to be sued on? Estimate by state + last-payment date — client-side, no data collected
- Credit report timeline checker — When will a charge-off, collection, late payment or bankruptcy fall off your report? Estimate by item + start date — client-side, no data collected
- Forgiven debt tax calculator (1099-C) — Tax on settled debt + the insolvency exclusion — client-side, no data collected
- Medical bill negotiation calculator — What you might pay after negotiating + your strongest levers — client-side, no data collected