Run the numbers before anyone quotes you a price
All five tools run entirely in your browser. Nothing is uploaded, nothing is stored, and none of them ask for your name, email, or phone number.
Debt payoff planner
Enter every balance and rate, then see the snowball and the avalanche side by side with the month each account clears.
Debt-to-income calculator
The front-end and back-end ratios lenders use, plus the take-home version that tells you how the month will actually feel.
Minimum payment trap
How many years and how much interest a minimum-only payment costs, against any fixed payment you could make instead.
Settlement vs payoff estimator
Compare a settlement program against a management plan and your current payments, including fees and the tax on forgiven debt.
Hardship budget worksheet
Find the monthly surplus or shortfall a counselor will ask about, with a 50/30/20 comparison.