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Debt Payment, Interest, Expense & Savings Calculators

How does your debt stack up? What will your savings amount to? Maybe you want to see how long it will take to pay off your loan or save for a down-payment. 

It's amazing how different your financial situation can look when you see it as a picture!

How To Use the Financial Calculators

If you’ve never used a financial calculator, try one of the calculators we have below. You don't need to log in or provide any identifying details. After you enter some information, the calculations are performed and the results displayed. Below the graph is an explanation to help you understand what you're seeing.Using financial calculators to learn how to deal with debt, budget and save money.

What to Do If You Don't Like the Results

If you decide that you want help to deal with your debts because you don't like what the financial calculator is telling you about your future, don't be afraid to ask us for help. Our appointments are free, confidential and without obligation, so contact us by phone, email, or online chat. We're here to help!

Getting Started

We've tried these calculators out ourselves, and have specifically chosen to share these ones with you. Maybe you’re curious about how much you can save in interest if you top up your payments. Or maybe saving time is more important than money. Whatever your motivation, a picture can help get you started working towards your goals.

  1. Debt, Loan, Car Payment & Credit Card Calculator

    Use this calculator to find out how much debt you owe and how long it’s going to take to pay it off. Just enter your credit card and loan balances and the calculator will tell you the rest.

  2. Interest, Credit Card & Loan Payment Calculator

    Do you know how much interest you are paying each year on all of your debts? You might be surprised. With this calculator you can find out how much you owe, how much interest you are paying each year, and how long it’s going to take to pay it all off. 

  3. Debt Ratio & Loan Calculator

    If you were to consolidate all of your debts into one loan, what would the monthly payments be? If you can only afford a certain payment each month, how big would your loan be? This calculator will answer these questions for you.

  4. Debt Repayment Strategies to Stop Debt Stress

    How quickly could you pay off your debts if you concentrated on paying one debt off at a time, while maintaining minimum payments on the others? How much of a difference would paying a little more each month actually make? Find out how these proven strategies can help you become debt free. 

  5. Savings Calculator

    Saving a little from each pay cheque over a long period of time has an amazing way of adding up to a lot of money! See it for yourself with this calculator.

  6. Budget Calculator (Excel Worksheet)

    Based on studying thousands of people’s budgets, we’ve created guidelines for all budgeting expense categories, and we’ve built this information into a new budget calculator that guides you through the budgeting process, suggests how much to spend on each category, warns you if you’re spending too much or too little, and offers suggestions to make your budget more successful.

Learn How to Manage Money & Debt Better

If you want to improve or refresh your financial circumstances by dealing with your debts, learn how to use credit wisely or find the money in your budget to help you save for your future, we are here to help! Contact us to ask us some questions, make an appointment to speak confidentially with one of our Counsellors, or attend a friendly, interactive workshop. Investing a little time now will let you reap the rewards later!