Free Tools

Practical, no-signup tools to help you understand and tackle your debt.

60-second quiz that scores your debt situation and recommends next steps.

Estimate how much you could save by negotiating with creditors.

Snowball, avalanche, and minimum-payment calculators.

Generate a professional settlement letter to send to creditors.

See your credit-card utilization ratio and what to pay down to boost your score.

The single ratio Canadian lenders use — see where you stand vs CMHC limits.

See how long minimum payments really take and how much extra saves you.

Calculate your 3-6 month safety cushion and how long it takes to build it.

Split take-home pay into needs, wants, and savings/debt payoff.

Live countdown to your projected debt-free date, shareable and embeddable.

Look up Canadian creditors, their tactics, and settlement averages.

Plain-language definitions of every debt and credit term.

Debt-relief options and statutes by Canadian province.

All free debt tools