42 free debt tools
Calculators, checklists, quizzes, and planners — every one runs in your browser, nothing leaves your device. Pick the tool that matches your question, or start with the full debt payoff calculator.
Which debt tool should I start with?
If you have multiple debts and aren't sure where to focus, start with the payoff priority analyzer. It takes every debt you have, ranks them by the order that minimizes your total interest, and shows you exactly where to send extra money first. Most people are surprised by the result — often the debt that feels most urgent (largest balance) isn't the one you should attack first.
If you have a single high-interest credit card that's eating your budget, go directly to the credit card payoff calculator or the minimum payment trap calculator. These two tools together show you exactly what your current plan costs and what it would cost to fix it.
The two big debt payoff strategies
Every debt payoff plan eventually comes down to two strategies: the debt snowball (pay smallest balance first for psychological wins) and the debt avalanche (pay highest APR first to minimize total interest). Our snowball vs avalanche calculator runs both strategies on your actual debts and shows you the exact dollar difference. Spoiler: for most people with typical consumer debt, the difference is hundreds of dollars, not thousands — which means the strategy you'll actually stick to matters more than the mathematically optimal one.
If you want to see just the interest savings from choosing avalanche, the avalanche savings calculator isolates that number with a clear chart showing where the two strategies diverge.
Debt consolidation tools
Consolidation — rolling multiple high-interest debts into one lower-rate loan — can save significant money when done right. The debt consolidation calculator compares your current blended APR against a proposed consolidation loan, factoring in origination fees. For comparing specific loan offers, the personal loan comparison tool lets you put up to three offers side by side and see which is actually cheapest after fees and interest.
If you have good credit and a balance you could realistically pay off in 12–21 months, the balance transfer calculator shows whether a 0% promotional card makes more financial sense than a personal loan.
Tracking and staying motivated
Research consistently shows that people who track their debt pay it off faster — not because tracking changes the math, but because it changes behavior. The debt tracker stores your balances in your browser (nothing leaves your device) and shows a progress bar for each debt and for your total debt load. Update it monthly and watch the bars move.
For people who respond better to countdowns than progress bars, the debt countdown clock shows a live timer to your debt-free date — down to the second. Some people find this the single most motivating tool on the site.
Special debt situations
Not all debt is equal. Medical bills are negotiable in ways credit card debt isn't — the medical debt calculator walks through the four-step negotiation process. Old debts that may no longer be legally enforceable are covered by the statute of limitations tool. For the most extreme debt situations, the bankruptcy alternative planner builds a milestone-by-milestone roadmap for clearing $30K–$80K in unsecured debt without filing.
The big picture
Debt payoff doesn't happen in isolation. Your debt-to-income ratio determines what loans you qualify for and how financial stress affects you. Your net worth shows whether your balance sheet is actually improving even if individual debts are paying down slowly. And the emergency fund vs debt calculator helps you decide how to split limited extra cash between safety and acceleration.
All 42 tools run entirely in your browser. No signup required, no data sent to any server, no accounts. Build your plan, check your progress, and get out of debt on your own terms.