Compare calculators

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

Debt Avalanche Calculator

Find out how quickly you can eliminate debt by attacking the highest-interest balances first. Enter your debts, minimum payments, and any extra cash to see your payoff timeline using the avalanche method.

Total Debt Amount ($)

Average Interest Rate (%)

Total Minimum Payments ($)

Extra Payment Amount ($) (optional)

Fill in the required fields to see your result.

Key differences

	Debt Settlement Calculator	Debt Avalanche Calculator
Category	Debt	Debt
Inputs required	4	4
Result	Net Savings After All Costs ($)	Payoff Timeline (months)
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.	Find out how quickly you can eliminate debt by attacking the highest-interest balances first. Enter your debts, minimum payments, and any extra cash to see your payoff timeline using the avalanche method.