Calculators

Tools to help manage your money and debts.

Debt Payment, Interest, Expense & Savings
Calculators for Money Management

How does your debt stack up? What will your savings amount to? When can you pay off your loan or have a down-payment ready? Our calculators can help you find out how much debt you have, how much interest you’re paying, and when you can pay it off off based on your repayment strategy. It’s amazing how different your financial situation can look when you see it as a picture!

Coins stack, calculator, black pen and document paper on working table

Financial Calculators
How to Use These Tools

If you’ve never used a financial calculator, try one of ours below. We have 6 kinds on this page that each focus on different areas, such as your debt repayment plan, how your savings are building up, how your budget is doing, and even a debt payoff calculator.

You don’t need to log in or provide any identifying details. After you enter some information, the calculations are performed and the results shown.

Each calculator will show you a graph, and below them are explanations to help you understand what you’re seeing.

Don’t Like What You See?
Here’s What to Do

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. Speaking with our counsellors is free, confidential, and without obligation. So contact us by phone, email, or online chat. We’re here to help!

Back shot of a man using computer while speaking on the phone

Getting Started

You’ll find below hand-picked calculators that we’ve tried out ourselves. 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.

debt, loan, car payment & credit card calculator

Debt, Loan, Car Payment & Credit Card Calculator

Find out how much debt you owe and how long it’s going to take to pay it off. Just enter credit card & loan balances. 

interest, credit card & loan payment calculator

Interest, Credit Card & Loan Payment Calculator

Use this calculator to find out how much interest you’re paying on all your debts & how long it will take to pay off what you owe.

debt ratio & loan calculator

Debt Ratio & Loan Calculator

See with this calculator what your payments will be for a loan or how much you owe based on a certain monthly payment amount.

Debt Repayment Strategies to Stop Debt Stress

Explore how to quickly pay off your debts using proven strategies to help you become debt free.

savings calculator

Savings Calculator

With this calculator you can see how saving a little from each pay cheque every month has an amazing way of adding up to a lot of money!

budget calculator

Budget Calculator (Excel Worksheet)

Offers insightful guidance, helpful suggestions, and proven guidelines for all budgeting expense categories.

Find out how to get back on track.

Get the help you need. Find the right option that will work for your specific set of circumstances. Instead of endlessly looking through debt consolidation company reviews, let one of our experienced counsellors help you. If we can't fully help you, we'll refer you to an organization we trust that can or help you put together an action plan so you can get started on your next steps. Feel free to give us a call or chat with us online. We're here to help.

Want to learn how to manage money & debt better?

Speak with a non-profit credit counsellor.

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’re here to help! Contact us to ask some questions, 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!

Get Some Help – It’s Free

Get a free appointment to explore your options and get back on track.

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