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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 Snowball Calculator

Estimate how many months it takes to pay off a debt with a fixed monthly payment using the debt snowball amortisation formula. The snowball method pays off smallest balances first to build momentum, but the underlying math is just the standard fixed-payment loan formula.

Total Debt Amount ($)

Monthly Payment ($)

Average Interest Rate (%)

Fill in the required fields to see your result.

Key differences

	Debt Settlement Calculator	Debt Snowball Calculator
Category	Debt	Debt
Inputs required	4	3
Result	Net Savings After All Costs ($)	Months to Pay Off (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.	Estimate how many months it takes to pay off a debt with a fixed monthly payment using the debt snowball amortisation formula. The snowball method pays off smallest balances first to build momentum, but the underlying math is just the standard fixed-payment loan formula.