Free Financial Calculators

Use these tools to help you manage debt effectively and get ahead in your financial world.

Good money management is easier when you have the right tools to help you get where you need to be. With that in mind Consolidated Credit has developed the following free personal finance and debt calculators to help you avoid problems with debt and reach your goals.

Of course, even the best financial calculators can’t fix the problem if you’re falling behind. If you can’t make the numbers work or you’re struggling with so much debt that you can’t make a plan to get out on your own, we can help. Call Consolidated Credit today at or complete our online form to request a Free Debt Analysis from a certified credit counselor.

Credit Card Debt Repayment Calculator

Make a plan to pay off credit card debtCredit card debt has a way of piling up to cause problems for your budget – especially if you’re facing high interest rates and only making the minimum payments. If you want to maintain stability, you need to craft strategies that allow you to pay off your debt as quickly as possible. This calculator helps you do just that.

Debt-to-Income (DTI) Ratio Calculator

Is your debt balanced against your income?When your debt load is balanced against your income, you’re less likely to run into problems. In addition, debt-to-income ratio is a key factor used during the mortgage qualification process. Learn where you stand with debt to see if you’re financially stable – especially if you’re thinking of buying a home.

Mortgage Payment Calculator

Manage mortgage payments effectivelyHome is not only where you hang your hat – it’s also your biggest asset (and your biggest debt). That makes it critical to understand mortgage payments. You can assess the benefit of making increased or extra payments on your current mortgage, or set a price range and help ensure you can afford a new home.

Simple Savings Calculator

Good savings helps reach your goalsSaving money is essential if you want to achieve both your short-term and long-term financial goals. Still, where should you money go and how much should you save? This calculator is designed to help you compare different savings options and evaluate how your money will grow, so you can make the choices for your future.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
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Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

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Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

You can save!

With this amount of debt, you'd pay around $xx.xx on a DMP.

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