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.

Featured Debt Payoff Calculators


Debt Reduction CalculatorDebt 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 SpreadsheetCredit 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 CalculatorCredit Card Payoff Calculator ▶

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


Credit Card Minimum Payment CalculatorCredit Card Minimum Payment Calculator ▶

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


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