Debt Relief Calculator
See How Much You Could Save With Debt Settlement
If you're carrying $10,000 or more in credit card debt and only making minimum payments, you already know the math isn't working in your favor. Minimum payments are designed to keep you paying as long as possible — on a $25,000 balance at 24% APR, minimum payments alone would take over 30 years and cost more than $50,000 in interest.
Our debt relief calculator shows you a different path. Use the slider below to enter your total unsecured debt, select your preferred payoff timeline, and instantly see your estimated monthly payment, total payoff amount, and projected savings compared to your current balance.
Calculate your new monthly payment
How much unsecured debt do you have?
What Your Results Mean
Monthly Payment is the estimated amount you'd deposit each month into a dedicated FDIC-insured savings account that you control. This single payment replaces the multiple minimum payments you're currently making to individual creditors. As funds accumulate, our team negotiates settlements with each creditor.
New Payoff Amount is the projected total you'd pay over the life of the program, including both the settled debt amounts and program fees. This number represents the actual out-of-pocket cost to become debt free through settlement.
Total Savings is the difference between what you currently owe and what you'd actually pay. This is real money that stays in your pocket — money that would otherwise go to creditors through years of compounding interest and minimum payments.
These are estimates based on typical program outcomes. Your actual results will depend on your specific creditors, account statuses, and how negotiations progress. During your free consultation, we'll review your individual accounts and provide a more precise projection.
How Debt Settlement Compares
To put your calculator results in context, here's how a $25,000 credit card balance plays out under different strategies:
Minimum Payments Only
At 24% APR, making only minimum payments on $25,000 would take 30+ years and cost over $50,000 in interest — meaning you'd pay more than double the original balance. This is the path most consumers are on, and it's the one credit card companies are designed to keep you on.
Debt Consolidation Loan
A consolidation loan at 12% over 5 years would cost roughly $556/month with approximately $8,400 in total interest. You'd pay $33,400 total — less than minimum payments, but you're still repaying 100% of the principal plus interest. You also need a credit score of 670+ to qualify for competitive rates.
Debt Settlement
Through our debt relief program, that same $25,000 could resolve for $10,000–$18,000 total including fees, completed in 24–48 months. No credit score requirement to enroll. The trade-off is a temporary credit impact during the negotiation period, but most clients see their scores recover within 12–24 months after completing the program.
When Debt Relief Makes Sense
If your calculator results show significant savings compared to your current balance, that's a strong indicator that debt settlement could work for your situation. But the numbers alone don't tell the whole story. Debt relief tends to make the most sense when:
You're carrying $10,000 or more in unsecured debt — primarily credit cards, personal loans, or medical bills. You're struggling to make progress with minimum payments and watching balances grow despite regular payments. You don't qualify for a consolidation loan at a rate that would meaningfully help. You want to avoid the long-term consequences of bankruptcy but need more relief than a debt management plan provides.
Not sure if your situation qualifies? Schedule a free consultation — we'll review your specific accounts and tell you honestly whether our program is the right fit, or if another option makes more sense.
Frequently Asked Questions
How does this debt relief calculator work?
The calculator estimates your new monthly payment, total payoff amount, and savings based on enrolling your unsecured debt in a debt settlement program. It uses an average settlement rate of approximately 70% of your enrolled balance — meaning you'd pay back roughly 70 cents on every dollar owed — spread over your selected payoff timeline. Program fees are factored into the monthly payment estimate.
How accurate is this debt calculator?
The calculator provides a realistic estimate based on typical settlement outcomes, but every situation is different. The actual amount you save depends on your specific creditors, account status, and how negotiations unfold. During your free consultation, we'll provide a more precise projection based on your individual accounts.
What types of debt can I include?
This calculator is designed for unsecured debt — primarily credit card balances, personal loans, medical bills, and certain lines of credit. Secured debts like mortgages, auto loans, and HELOCs cannot be included in a debt settlement program because they're backed by collateral.
What does "total savings" mean in the results?
Total savings represents the difference between your current debt balance and the projected total you'd actually pay through the program, including fees. For example, if you owe $25,000 and the calculator shows a total payoff of $18,500, your projected savings would be $6,500 — money you'd otherwise pay to creditors in principal and compounding interest.
How is this different from a debt consolidation calculator?
A debt consolidation calculator estimates payments on a new loan that pays off your existing debts — you still repay 100% of the principal plus interest on the new loan. This debt relief calculator estimates what you'd pay through debt settlement, where the goal is reducing the principal itself. Settlement typically results in lower total costs but involves a temporary credit impact during the negotiation period.
Do I need to know my exact debt amount to use this?
An approximate total is fine for getting an initial estimate. You can find your exact balances by checking your most recent credit card and loan statements, or by pulling a free credit report at AnnualCreditReport.com. When you schedule a consultation, we'll review your specific accounts together.
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