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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

Debt Avalanche Calculator

Find out how many months it takes to pay off your highest-interest debt using the avalanche method. Use this when you want to minimize total interest paid across multiple debts.

High Interest Debt ($)

High Interest Rate (%)

Total Monthly Payment ($)

Fill in the required fields to see your result.

Key differences

	Debt Settlement Calculator	Debt Avalanche Calculator
Category	Debt	Debt
Inputs required	4	3
Result	Net Savings After All Costs ($)	Months to Pay Off High Interest Debt (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 many months it takes to pay off your highest-interest debt using the avalanche method. Use this when you want to minimize total interest paid across multiple debts.