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Both calculators run independently — change the inputs on either side to compare results.

Debt Settlement Calculator

Estimate what you'll actually pay when settling debt for less than you owe. Factors in the settlement amount, company fees, and taxes on forgiven debt so you can weigh your true out-of-pocket cost.

Total Unsecured Debt ($)

Expected Settlement Percentage

Settlement Company Fee (%)

Tax Rate on Forgiven Debt (%)

Fill in the required fields to see your result.

Debt

Bad Debt Ratio Calculator

Measure what percentage of your total receivables or debt portfolio has become uncollectible. Finance teams and analysts use this ratio to gauge credit policy effectiveness and set appropriate loss reserves.

Bad Debt Amount ($)

Total Debt Amount ($)

Fill in the required fields to see your result.

Key differences

	Debt Settlement Calculator	Bad Debt Ratio Calculator
Category	Debt	Debt
Inputs required	4	2
Result	Net Savings After All Costs ($)	Bad Debt Ratio (%)
What it does	Estimate what you'll actually pay when settling debt for less than you owe. Factors in the settlement amount, company fees, and taxes on forgiven debt so you can weigh your true out-of-pocket cost.	Measure what percentage of your total receivables or debt portfolio has become uncollectible. Finance teams and analysts use this ratio to gauge credit policy effectiveness and set appropriate loss reserves.