Debt Calculators

Know the numbers. See settlement ranges, payoff timelines, and your debt-to-income ratio—then take the next step.

Debt Settlement Calculator Input your situation and watch your potential savings update in real time. See a realistic settlement range and timeline.

Amount to be cleared

$25,000

Type of debt

Settlement % (you pay)

50%

What can you comfortably pay each month?

$2,000

Payment Plan available?

Yes No

Your Path to Freedom

$10,000

Amount owed

Payment plan

$10,000
12–24 months

Get personalized negotiation help

Debt Payoff Calculator Compare paying minimums vs. aggressive payoff vs. settlement. See how long each path takes and how much you'd save.

Amount to be cleared

$18,000

What can you comfortably pay each month?

$360

Interest rate (APR %)

22%

Your Path to Freedom

7.2 yrs

Pay minimum only

Pay minimum: —

Snowball: —

Avalanche: —

Settlement: —

See if you qualify for settlement

Debt-to-Income Ratio Calculator See what lenders see. 43%+ often qualifies for settlement; bankruptcy may not be necessary yet.

Monthly debt payments

$1,200

Monthly gross income

$4,500

Your Path to Freedom

27%

Your DTI

Generally healthy. Focus on paying down highest-interest debt.

Get a settlement evaluation

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