We're an independent calculator platform providing free, transparent debt relief estimates to help consumers understand their options before making financial decisions.
DebtCalculatorLab exists to address a critical gap in debt relief transparency. Too many consumers enter debt relief programs without understanding potential outcomes, costs, or alternatives. We believe informed consumers make better financial decisions.
Our calculators model realistic scenarios based on industry data, settlement patterns, and mathematical principles—not marketing promises. We show both the current path (continuing minimum payments) and potential relief paths, allowing side-by-side comparison.
We're not a debt relief company trying to enroll you in a program. We're an independent platform focused on education and transparency. Our success depends on providing accurate, honest estimates.
Many calculators hide settlement company fees, making programs look cheaper than they are. We include all costs in our estimates because you deserve the complete financial picture.
Our calculation methodology is reviewed by a Certified Public Accountant to ensure mathematical accuracy and sound financial principles. The CPA review confirms the calculations work correctly—not that any individual will achieve the estimated results.
We don't make guarantees, use countdown timers, or employ pressure tactics. Our estimates are clearly labeled as modeled scenarios, not promises. We believe honest information builds trust.
Our tools are designed for consumers with unsecured debt (credit cards, personal loans, medical bills) who want to:
Our calculators work best for debts between $5,000 and $150,000. They're educational tools for exploring possibilities, not substitutes for professional financial or legal advice.
We collect only the information necessary to generate your estimate. Your data is:
DebtCalculatorLab is not a law firm, financial advisor, or debt relief company. We don't provide legal advice, financial advice, or debt relief services. Our calculators model scenarios based on industry averages—actual results depend on creditor participation, program eligibility, and individual circumstances that calculators cannot predict.