Free Debt Calculator

Understanding the Numbers


Are you drowning in debt? Are you basically working just to pay down your credit card bills? Use our free debt calculator to calculate your debt to income ratio and see how risky your financial situation is.

  1. Enter in your total unsecured debt – this includes credit cards, personal loans, medical bills and other unsecured debts.
  2. Enter in your average interest rate on your debts. Add up the APRs on your credit cards and then divide by the number of credit cards to get the average interest rate.
  3. Enter in your desired program length (enter # of months) – the lower the number the higher your monthly program payment and the higher the number the lower your monthly payment.
  4. Press calculate and see how long it will take you to get out of debt with the popular debt reduction methods.

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