We are too caught up in wanting stuff now, rather than saving up and buying stuff when we can afford it. These habits naturally lead to way too much debt, but with enough discipline and help, we believe anyone can get out of debt.

Our free debt reduction calculator, featured below, was designed to help individuals, and the professionals that advise them, to quickly and easily come up with a plan for eliminating debt. It may not be as easy to stick with the plan, but at least we can help you get started.

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Debt Calculators

Featured Debt Payoff Calculators

Debt Reduction Calculator

Debt Reduction Calculator

How fast can I get out of debt using the snowball technique? This is possibly the most valuable spreadsheet on this entire website!

Credit Repair Spreadsheet

Credit Repair Spreadsheet

Pay down your debt to improve your FICO® credit score. This is an expanded, more advanced version of the Debt Reduction Calculator.

Credit Card Payoff Calculator

Credit Card Payoff Calculator

Calculate the payment required to pay off a single credit card in X number of years.

Credit Card Minimum Payment Calculator

Credit Card Minimum Payment Calculator

Find out how much it really costs to make minimum payments.


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