Tools

Debt calculators, worksheet and guide

Everything here runs on the page with no sign-up. You type your own balances, rates and payments, and nothing is sent anywhere. The tools show arithmetic and options, not advice, and none of them supplies a rate, fee or limit.

Calculators

Debt-to-Income Ratio Calculator (Monthly Payments)Type your monthly debt payments and gross monthly income to see your debt-to-income ratio as a percentage, with the formula and its limits explained. Extra Mortgage Payment Calculator (Months and Interest Saved)Type your balance, rate, remaining months and an extra monthly amount to see months and interest saved from a month-by-month schedule. No rates supplied.

Printable worksheet and checklist

Debt Inventory Worksheet and Credit Counselor Prep ChecklistA printable table to list every debt with balance, rate, minimum and due date, plus a tickable checklist for preparing to talk to a nonprofit credit counselor.

Guide

Debt triage and refinance guide: what to do first and when a new loan helpsSort urgent debts into an order, then compare option types such as refinancing, balance transfers and counseling, with the questions to ask before you commit.

These pages are general information, not financial or legal advice. For the payoff order question, read the avalanche versus snowball guide.