Debt Help: Calculators - Analyze Your Finances
Our credit counseling services include a wide variety of financial calculators to help you analyze your finances and make the best choices about paying off debt and trimming your budget to become debt free. Make a plan for paying off debt owed on credit cards, loans, or other obligations using a debt reduction calculator. Determine the best way to finance a car or home ... establish a goal for saving money ... or find out if it makes financial sense for your spouse to work, using these interactive debt help tools.
These calculators are part of our credit and debt counseling service tools, available at no cost to you from Family Credit Management Service. Our simple-to-use calculators feature dynamic graphs and fully customizable reports. Equip yourself with the knowledge to make the right financial decisions!
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Credit and Debt Management Calculators
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How much do you owe?
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Use this calculator as a starting point for your debt management program.
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Rolldown your Credit Card debt!
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This credit card debt reduction calculator applies two simple principles to paying off your credit card debt. Help yourself by visualizing your progress over time with this calculator until your debt is paid in full.
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Credit Card Pay Off
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See what it will take to pay off your credit card balance, and what you can change to meet your repayment goals, using this credit card debt reduction planner.
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Credit Assessment
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Use this calculator to assess your credit.
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Budgeting and Savings Calculators
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Home Budget
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Analyze your budget, see where your money goes and find out where you can improve!
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Student Budget
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Use this calculator to help analyze your budget as a full-time student.
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Benefit of Spending Less
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Reducing your spending can be worth more than you might think in your journey toward paying off debt. Use this debt reduction planner to see your savings when you trim your budget.
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Checkbook Balancer
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Balance your checkbook with this quick and easy calculator.
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Savings Goals
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What will it take to reach your savings goal? This financial calculator helps you find out.
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Savings Calculator
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Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
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Lunch Savings
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This calculator illustrates how a little lunch savings can go a long way as you head down the road to debt free living.
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Don't Delay Your Savings!
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This calculator helps show you how much postponing your savings plan can really cost.
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401(k) Savings Calculator
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Use this tool to determine what your 401(k) savings plan should be!
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Should my spouse work?
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This calculator is designed to help you see the financial impact of adding, or removing, a spouse's income to your household.
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Future Planning Calculators
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College Savings
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Use this calculator to help develop or fine tune your education savings plan.
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Retirement Planner
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Quickly determine if you retirement plan is on track - and learn how to keep it there.
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Net Worth Calculator
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This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.
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Auto Financing Calculators
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Auto Loans
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Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!
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Lease vs. Buy
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Should you lease your next automobile or finance it? Find out with this calculator!
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Auto Rebate vs. Low Interest Financing
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Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate.
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Mortgage/Home Loan Calculators
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Mortgage Loan Calculator
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Use this calculator to determine your monthly payment and amortization schedule.
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Refinance Breakeven
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Should you refinance your mortgage? Use this calculator to determine when you will breakeven!
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Rent vs. Buy
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Are you better off buying your home, or should you continue to rent?
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Mortgage comparison: 15 years vs. 30 years
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Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
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Bi-weekly Payments for an Existing Mortgage
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This calculator shows you possible debt reduction savings by using an accelerated bi-weekly mortgage payment.
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Credit and Debt Counseling Services: Personal Assistance
If you are in a stressful financial situation due to an unmanageable debt load or overwhelming credit card debt, help from one of our certified, caring credit counselors is available. Call 1-800-994-3328 to speak to a Family Credit Management Service counselor or complete our confidential enrollment form and one of our counselors will contact you to help you on your way to financial wellness. We are a non-profit credit and debt counseling service and our offices are staffed by certified, caring credit counselors that provide one-on-one assistance to people who need help dealing with the burden of debt. Our trained and experienced counselors can assess your situation and help you develop a plan to become debt free. Not only do we offer credit counseling services, but our debt management program will save you time, money and help you regain control of your credit and life much faster and easier!
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Please note that all financial calculators require a Java enabled browser.
For best results use Internet Explorer 4.0 and higher or Netscape Navigator 4.0
and higher.
Information and interactive calculators are
made available to you as self-help tools for your independent use. We can not
and do not guarantee their accuracy or their applicability to your
circumstances. We encourage you to seek personalized advice from qualified
professionals regarding all personal finance issues.
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