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Debt Calculator

Download a free Debt Reduction spreadsheet from Vertex42.com. Debt Reduction Calculator


Here Are Some Of Our Free Debt Relief Articles

- The Two-Step Debt Elimination Plan: Find out what two options are the best for you to eliminate your debt. Learn the simple secrets to successfully plan your method of attack on your credit card debt. We have been teaching the and informing thousands of people around the world the steps it takes to lead a debt free life.

*The Debt Collection Process: The steps the credit card companies take when you fall behind on your payments. What the best thing to do when put into this situation.

*What is Bankruptcy: Learn about all the steps in the Bankruptcy process. Is Bankruptcy your only option or is Debt Settlement an option to avoid this worst case scenario?

*Dealing with Collectors: This is a very fragile situation and if you don't arm yourself with knowledge about your rights, then you can lose this battle with these highly trained Debt Collectors. You can do this yourself or have a Debt Consultant handle it. What option is best for you? Find out here in this very popular article.

*Statute Of Limitations : Know what your rights are per state.

*Cease and Desist Letter Template and Guide : End harrassing collection agency calls. But, be warned. Read more...

*Debt Elimination Calculator : This simple chart shows you all your options for Debt Relief and what time and cost it will take to become Debt Free.




Your Options For Debt Relief

The fastest way to Debt Relief is to contact a Debt Consultant Professional for advice... But, before you do, arm yourself with knowledge on how the Debt Settlement process works.

As William Alexander quotes, "Knowledge is Power". Empower yourself with Debt Relief knowledge so that you can make the very best decision on how to get out of Debt the best way possible. Sign up for our free "War On Debt" monthly Newsletter below and arm yourself with the knowledge to get you out of Debt and staying out of Debt for good. When you sign up for your free email subscription, you will receive our Report on "How To Become Debt Free Now" (worth $19.99 in the stores, but Free for you because it will be delivered digitally to your email address).




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Debt Calculator

See how long it will take for your debt to get paid off with one of these four options. We have listed a standard debt amount as a default on the debt calculator. You will need to enter your current personal or business debt amount below to see what your debt payoff amounts will reflect.

What's Best For You: Minimum Payments?

Debt Consolidation?

Credit Counseling? Debt Settlement?
Total Unsecured Debt $30,000.00 $30,000.00 $30,000.00 $30,000.00
Months To
Get Out Of Debt
430 60 60 36
Interest Rate 18.9 % 12 % 10-12% Ave None
Total Interest Paid $49,978.53 $10,040.01 $21,300.00 None
$900.00 $667.33 $855.00 $458.33
Total Cost
To Be Debt Free
$79,978.53 $40,040.01 $51,300.00 $16,500.00
Monthly Payments   Months To Get Out Of Debt   Total Cost To Be Debt Free
Minimum Payments Debt Consolidation Credit Counseling Debt Settlement
Enter Your Debt Information Here:
Your Total
Unsecured Debt:
Your Average
Interest Rate:
Months To
Be Debt Free:


PLEASE NOTE: This calculator gives you an estimate of how much it will cost you to get out of debt, how long it will take and how much your monthly payment may be with the different options to pay off your debt. Keep in mind "Minimum Payments" assumes you NEVER make any further purchases on your credit cards and the credit card companies NEVER raise the interest rate on your cards in the future from the rate calculated above. The "Debt Consolidation Loan" example is usually only possible when taking out an "equity line of credit" or "second mortgage", which involves securing your unsecured debt with your home. This is a very risky option for most people because the home could be foreclosed if you cannot make the payments.