Free resources
Free tools to see your numbers clearly.
Use these free tools to check your debt-to-income ratio and build a budget and payoff plan from the income you have now.
Budgeting & Debt Payoff
Magic Fraction Budget Builder
Build a monthly budget from your current income and see a payoff plan that pays a little extra on every debt.
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Debt & Income Analysis
Debt-to-Income Ratio Calculator
Compare your monthly debt payments with your income and see where your ratio falls.
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Debt & Income Analysis
Credit Card Interest Calculator
See the payment it takes to keep up with the interest on your card.
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Ready for the full course?
Five lessons on budgeting, your consumer rights, and negotiating your debt yourself.