Free Debt Calculators and Tools
No signup required. All calculations stay in your browser.
Debt Settlement Calculator
Estimate realistic settlement amounts based on creditor type, balance, and how delinquent the account is. Helps you know what to offer before you call.
Calculate Settlement →Statute of Limitations Checker
Enter your state, debt type, and last payment date to find out if a collector can still sue you - or if the clock has expired and you have maximum leverage.
Check Your SoL →Debt-to-Income Calculator
Calculate your DTI ratio and see which debt resolution options you qualify for. Banks use this number; you should know yours before negotiating.
Calculate DTI →Debt Payoff Calculator
See exactly how long it takes to pay off debt at different payment amounts - and how much interest you'll save by paying more than the minimum.
Calculate Payoff →Hardship Letter Generator
Answer a few questions and get a customized hardship letter ready to send. Covers credit card, medical, student loan, auto, and collections.
Generate Letter →